12328 100th StPostvilleIA52162
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 12328 100th St, Postville, IA, 52162 in Postville is narrow, $87/mo net on $1,580/mo rent after the $1,034/mo debt service, but the property operates at break-even-plus, not a loss. At $230,000 with a 8.25% yield, the long-run equity case via 5% appreciation ($63,545 over five years) and $2,118/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.53 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $93,082.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $87 | $400 |
City averages based on Postville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,580 |
| Total Monthly Debt Service | $1,402 |
| DSCR Ratio | 1.13x |
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 1974
8,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52162, Postville, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,347 (100%) |
| Owner Occupied HU | 806 (59.8%) |
| Renter Occupied HU | 398 (29.5%) |
| Vacant Housing Units | 143 (10.6%) |
| Median Home Value | $159,211 |
| Average Home Value | $285,810 |
Housing Distribution
Address Breakdown
Residential
568
Single Family
529
Multi-Family
39
Businesses
100
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 1974
8,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52162, Postville, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,347 (100%) |
| Owner Occupied HU | 806 (59.8%) |
| Renter Occupied HU | 398 (29.5%) |
| Vacant Housing Units | 143 (10.6%) |
| Median Home Value | $159,211 |
| Average Home Value | $285,810 |
Housing Distribution
Address Breakdown
Residential
568
Single Family
529
Multi-Family
39
Businesses
100
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices