111 Maple StLuzerneIA52257
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 111 Maple St, Luzerne, IA, 52257 in Luzerne worth modelling. At $179,500 with a 7.8% gross yield, the $1,166/mo rent leaves $1/mo after the $807/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.44 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $49,593 by year five; $1,653/yr in principal reduction adds further equity. Total projected return: $68,339.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.2% |
| Monthly Cash Flow | $1 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,166 |
| Total Monthly Debt Service | $1,094 |
| DSCR Ratio | 1.07x |
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 1920
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52257, Luzerne, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 112 (100%) |
| Owner Occupied HU | 95 (84.8%) |
| Renter Occupied HU | 8 ( 7.1%) |
| Vacant Housing Units | 9 ( 8.0%) |
| Median Home Value | $272,297 |
| Average Home Value | $291,658 |
Housing Distribution
Address Breakdown
Residential
111
Single Family
111
Multi-Family
0
Businesses
3
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 1920
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52257, Luzerne, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 112 (100%) |
| Owner Occupied HU | 95 (84.8%) |
| Renter Occupied HU | 8 ( 7.1%) |
| Vacant Housing Units | 9 ( 8.0%) |
| Median Home Value | $272,297 |
| Average Home Value | $291,658 |
Housing Distribution
Address Breakdown
Residential
111
Single Family
111
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices