109 W Center StArcadiaIA51430
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 109 W Center St, Arcadia, IA, 51430 in Arcadia. Rental yield 6.81%. The 1.26 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $44,896 and $1,497/yr in principal reduction project total return of $53,289.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.0% |
| Monthly Cash Flow | $(133) | $1,200 |
City averages based on Arcadia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $923 |
| Total Monthly Debt Service | $991 |
| DSCR Ratio | 0.93x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1930
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51430, Arcadia, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 320 (100%) |
| Owner Occupied HU | 261 (81.6%) |
| Renter Occupied HU | 40 (12.5%) |
| Vacant Housing Units | 19 ( 5.9%) |
| Median Home Value | $262,931 |
| Average Home Value | $290,642 |
Housing Distribution
Address Breakdown
Residential
265
Single Family
265
Multi-Family
0
Businesses
20
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 1930
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51430, Arcadia, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 320 (100%) |
| Owner Occupied HU | 261 (81.6%) |
| Renter Occupied HU | 40 (12.5%) |
| Vacant Housing Units | 19 ( 5.9%) |
| Median Home Value | $262,931 |
| Average Home Value | $290,642 |
Housing Distribution
Address Breakdown
Residential
265
Single Family
265
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices