1136 4th Ave NClintonIA52732
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.07% yield at 1136 4th Ave N, Clinton, IA, 52732 in Clinton is solid, but the $773/mo payment compresses net cash flow to $183/mo at $172,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $47,520 by year five, and $1,584/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.68) without U.S. income documentation. Total projected return: $77,264.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.0% |
| Monthly Cash Flow | $183 | $250 |
City averages based on Clinton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,300 |
| Total Monthly Debt Service | $1,049 |
| DSCR Ratio | 1.24x |
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 1965
7,540 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52732, Clinton, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,571 (100%) |
| Owner Occupied HU | 7,564 (60.2%) |
| Renter Occupied HU | 3,451 (27.5%) |
| Vacant Housing Units | 1,556 (12.4%) |
| Median Home Value | $156,796 |
| Average Home Value | $229,976 |
Housing Distribution
Address Breakdown
Residential
11,644
Single Family
10,798
Multi-Family
846
Businesses
779
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 1965
7,540 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52732, Clinton, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,571 (100%) |
| Owner Occupied HU | 7,564 (60.2%) |
| Renter Occupied HU | 3,451 (27.5%) |
| Vacant Housing Units | 1,556 (12.4%) |
| Median Home Value | $156,796 |
| Average Home Value | $229,976 |
Housing Distribution
Address Breakdown
Residential
11,644
Single Family
10,798
Multi-Family
846
Businesses
779
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices