1295 78th Street TrlBelle PlaineIA52208
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1295 78th Street Trl, Belle Plaine, IA, 52208 in Belle Plaine is capital appreciation. Rental yield 2.31%. The 2.31% gross yield at $845,792 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $233,677 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.43) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $73,136.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 7.0% |
| Monthly Cash Flow | $(3,865) | $200 |
City averages based on Belle Plaine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,628 |
| Total Monthly Debt Service | $5,156 |
| DSCR Ratio | 0.32x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
142.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52208, Belle Plaine, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,417 (100%) |
| Owner Occupied HU | 960 (67.7%) |
| Renter Occupied HU | 258 (18.2%) |
| Vacant Housing Units | 199 (14.0%) |
| Median Home Value | $120,603 |
| Average Home Value | $170,320 |
Housing Distribution
Address Breakdown
Residential
1,350
Single Family
1,331
Multi-Family
19
Businesses
115
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 N/A
142.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52208, Belle Plaine, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,417 (100%) |
| Owner Occupied HU | 960 (67.7%) |
| Renter Occupied HU | 258 (18.2%) |
| Vacant Housing Units | 199 (14.0%) |
| Median Home Value | $120,603 |
| Average Home Value | $170,320 |
Housing Distribution
Address Breakdown
Residential
1,350
Single Family
1,331
Multi-Family
19
Businesses
115
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Troy Louwagie • HERTZ REAL ESTATE SERVICE
Mls Name: CRAAR, CDRMLS
Mls ID: #2406698