135 State StDubuqueIA52003
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 135 State St, Dubuque, IA, 52003 in Dubuque: $1,976/mo in rent, $483/mo in net income, 10.31% gross yield, 1.91 DSCR, all at $230,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $63,545 in appreciation and $2,118/yr in principal paydown projects total cumulative return of $118,570.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 5.2% |
| Monthly Cash Flow | $483 | $850 |
City averages based on Dubuque market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,976 |
| Total Monthly Debt Service | $1,402 |
| DSCR Ratio | 1.41x |
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 1929
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52003, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,282 (100%) |
| Owner Occupied HU | 5,062 (80.6%) |
| Renter Occupied HU | 823 (13.1%) |
| Vacant Housing Units | 397 ( 6.3%) |
| Median Home Value | $305,716 |
| Average Home Value | $344,051 |
Housing Distribution
Address Breakdown
Residential
6,184
Single Family
5,671
Multi-Family
513
Businesses
528
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 1929
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52003, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,282 (100%) |
| Owner Occupied HU | 5,062 (80.6%) |
| Renter Occupied HU | 823 (13.1%) |
| Vacant Housing Units | 397 ( 6.3%) |
| Median Home Value | $305,716 |
| Average Home Value | $344,051 |
Housing Distribution
Address Breakdown
Residential
6,184
Single Family
5,671
Multi-Family
513
Businesses
528
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices