119 4th StCambridgeIA50046
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 119 4th St, Cambridge, IA, 50046 in Cambridge, $215,000, 8.42% gross yield, $112/mo net income. Consider it a market-entry position, the $1,508/mo rent covers the $967/mo payment with a margin, and 5%/yr appreciation is projected to add $59,401 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.56) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $88,972.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.5% |
| Monthly Cash Flow | $112 | $200 |
City averages based on Cambridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,508 |
| Total Monthly Debt Service | $1,311 |
| DSCR Ratio | 1.15x |
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 1972
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50046, Cambridge, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 664 (100%) |
| Owner Occupied HU | 513 (77.3%) |
| Renter Occupied HU | 107 (16.1%) |
| Vacant Housing Units | 44 ( 6.6%) |
| Median Home Value | $419,737 |
| Average Home Value | $508,436 |
Housing Distribution
Address Breakdown
Residential
480
Single Family
468
Multi-Family
12
Businesses
30
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
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50046, Cambridge, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 664 (100%) |
| Owner Occupied HU | 513 (77.3%) |
| Renter Occupied HU | 107 (16.1%) |
| Vacant Housing Units | 44 ( 6.6%) |
| Median Home Value | $419,737 |
| Average Home Value | $508,436 |
Housing Distribution
Address Breakdown
Residential
480
Single Family
468
Multi-Family
12
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices