105 S High AveOxfordIA52322
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow105 S High Ave, Oxford, IA, 52322 in Oxford earns its strong cash-flow label: 18.21% yield, $1,988/mo rent, $1,138/mo net income, DSCR 3.38. The $131,001 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $36,193 by year five. Combined with $1,207/yr in principal paydown, total projected return reaches $123,069.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.2% | 6.0% |
| Monthly Cash Flow | $1,138 | $400 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,988 |
| Total Monthly Debt Service | $799 |
| DSCR Ratio | 2.49x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1993
4,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52322, Oxford, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,040 (100%) |
| Owner Occupied HU | 832 (80.0%) |
| Renter Occupied HU | 140 (13.5%) |
| Vacant Housing Units | 68 ( 6.5%) |
| Median Home Value | $421,986 |
| Average Home Value | $509,781 |
Housing Distribution
Address Breakdown
Residential
793
Single Family
706
Multi-Family
87
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1993
4,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52322, Oxford, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,040 (100%) |
| Owner Occupied HU | 832 (80.0%) |
| Renter Occupied HU | 140 (13.5%) |
| Vacant Housing Units | 68 ( 6.5%) |
| Median Home Value | $421,986 |
| Average Home Value | $509,781 |
Housing Distribution
Address Breakdown
Residential
793
Single Family
706
Multi-Family
87
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mike Graf-Graf Home Selling Team • GRAF REAL ESTATE, ERA POWERED
Mls Name: CRAAR, CDRMLS
Mls Provider:
Mls ID: #2503691
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.