130 4th StLake ViewIA51450
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 130 4th St, Lake View, IA, 51450 in Lake View. At $143,610 it earns $1,156/mo in rent and distributes $223/mo to the owner after the $646/mo payment, a consistent 9.66% yield. DSCR 1.79 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $39,677 in value; $1,323/yr in principal paydown compounds ownership stake. Total projected return: $69,046.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $223 | $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 | $1,156 |
| Total Monthly Debt Service | $876 |
| DSCR Ratio | 1.32x |
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 1971
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51450, Lake View, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,059 (100%) |
| Owner Occupied HU | 559 (52.8%) |
| Renter Occupied HU | 146 (13.8%) |
| Vacant Housing Units | 354 (33.4%) |
| Median Home Value | $232,843 |
| Average Home Value | $269,038 |
Housing Distribution
Address Breakdown
Residential
509
Single Family
509
Multi-Family
0
Businesses
76
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 1971
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51450, Lake View, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,059 (100%) |
| Owner Occupied HU | 559 (52.8%) |
| Renter Occupied HU | 146 (13.8%) |
| Vacant Housing Units | 354 (33.4%) |
| Median Home Value | $232,843 |
| Average Home Value | $269,038 |
Housing Distribution
Address Breakdown
Residential
509
Single Family
509
Multi-Family
0
Businesses
76
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices