1105 Elm StRolfeIA50581
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1105 Elm St, Rolfe, IA, 50581 in Rolfe is capital appreciation. Rental yield 4.97%. The 4.97% gross yield at $144,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $40,033 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.92) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $33,217.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 5.0% |
| Monthly Cash Flow | $(341) | $300 |
City averages based on Rolfe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $600 |
| Total Monthly Debt Service | $883 |
| DSCR Ratio | 0.68x |
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 1972
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50581, Rolfe, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 454 (100%) |
| Owner Occupied HU | 295 (65.0%) |
| Renter Occupied HU | 74 (16.3%) |
| Vacant Housing Units | 85 (18.7%) |
| Median Home Value | $91,750 |
| Average Home Value | $155,686 |
Housing Distribution
Address Breakdown
Residential
380
Single Family
377
Multi-Family
3
Businesses
16
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 1972
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50581, Rolfe, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 454 (100%) |
| Owner Occupied HU | 295 (65.0%) |
| Renter Occupied HU | 74 (16.3%) |
| Vacant Housing Units | 85 (18.7%) |
| Median Home Value | $91,750 |
| Average Home Value | $155,686 |
Housing Distribution
Address Breakdown
Residential
380
Single Family
377
Multi-Family
3
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices