1105 Council Oak Dr APT DSioux CityIA51109
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 1105 Council Oak Dr APT D, Sioux City, IA, 51109 in Sioux City at $209,000 earns $1,823/mo in rent and nets $139/mo after the $940/mo payment, a 10.47% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $57,743 over five years. Ziffy Mortgage underwrites this on a 1.94 DSCR without U.S. credit history. With $1,925/yr in principal paydown, total projected return reaches $89,942.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 7.2% |
| Monthly Cash Flow | $139 | $450 |
City averages based on Sioux City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,823 |
| Total Monthly Debt Service | $1,600 |
| DSCR Ratio | 1.14x |
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.
Condo
Built in 1976
8,276 sqft lot
$N/A/sqft
$325 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51109, Sioux City, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,384 (100%) |
| Owner Occupied HU | 950 (68.6%) |
| Renter Occupied HU | 360 (26.0%) |
| Vacant Housing Units | 74 ( 5.3%) |
| Median Home Value | $152,778 |
| Average Home Value | $200,655 |
Housing Distribution
Address Breakdown
Residential
1,355
Single Family
1,321
Multi-Family
34
Businesses
55
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
Condo
Built in 1976
8,276 sqft lot
$N/A/sqft
$325 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51109, Sioux City, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,384 (100%) |
| Owner Occupied HU | 950 (68.6%) |
| Renter Occupied HU | 360 (26.0%) |
| Vacant Housing Units | 74 ( 5.3%) |
| Median Home Value | $152,778 |
| Average Home Value | $200,655 |
Housing Distribution
Address Breakdown
Residential
1,355
Single Family
1,321
Multi-Family
34
Businesses
55
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices