1114 1st StHullIA51239
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 1114 1st St, Hull, IA, 51239 in Hull is listed at $131,000 and delivers $1,218/mo in rent and $367/mo in net monthly cash flow. The 11.16% yield and 2.07 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $36,193 over five years, and $1,207/yr in principal reduction supplements cash return. Total projected cumulative return: $73,521.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.2% |
| Monthly Cash Flow | $367 | $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 | $1,218 |
| Total Monthly Debt Service | $799 |
| DSCR Ratio | 1.53x |
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 1945
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51239, Hull, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,254 (100%) |
| Owner Occupied HU | 981 (78.2%) |
| Renter Occupied HU | 189 (15.1%) |
| Vacant Housing Units | 84 ( 6.7%) |
| Median Home Value | $259,886 |
| Average Home Value | $318,163 |
Housing Distribution
Address Breakdown
Residential
1,105
Single Family
1,055
Multi-Family
50
Businesses
102
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 1945
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51239, Hull, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,254 (100%) |
| Owner Occupied HU | 981 (78.2%) |
| Renter Occupied HU | 189 (15.1%) |
| Vacant Housing Units | 84 ( 6.7%) |
| Median Home Value | $259,886 |
| Average Home Value | $318,163 |
Housing Distribution
Address Breakdown
Residential
1,105
Single Family
1,055
Multi-Family
50
Businesses
102
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mere Reyes • Stokes Realty, LLC
Mls Name: Northwest Iowa Regional BOR
Mls Provider:
Mls ID: #829752
Disclaimer: Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing information is deemed reliable, but not guaranteed.