12585 Saint Paul StCenter JunctionIA52212
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 12585 Saint Paul St, Center Junction, IA, 52212 in Center Junction: $1,052/mo in rent, $274/mo in net income, 10.53% gross yield, 1.95 DSCR, all at $119,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $33,126 in appreciation and $1,104/yr in principal paydown projects total cumulative return of $63,264.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $274 | $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 | $1,052 |
| Total Monthly Debt Service | $731 |
| DSCR Ratio | 1.44x |
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 1960
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52212, Center Junction, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 141 (100%) |
| Owner Occupied HU | 94 (66.7%) |
| Renter Occupied HU | 17 (12.1%) |
| Vacant Housing Units | 30 (21.3%) |
| Median Home Value | $154,167 |
| Average Home Value | $196,064 |
Housing Distribution
Address Breakdown
Residential
92
Single Family
92
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 1960
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52212, Center Junction, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 141 (100%) |
| Owner Occupied HU | 94 (66.7%) |
| Renter Occupied HU | 17 (12.1%) |
| Vacant Housing Units | 30 (21.3%) |
| Median Home Value | $154,167 |
| Average Home Value | $196,064 |
Housing Distribution
Address Breakdown
Residential
92
Single Family
92
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Olivia Williams • Iowa Realty
Mls Name: Iowa City Area AOR
Mls ID: #202600947