1432 Loomis StLa CrosseWI54603
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 1432 Loomis St, La Crosse, WI, 54603 in La Crosse. At $154,300 it earns $1,517/mo in rent and distributes $481/mo to the owner after the $694/mo payment, a consistent 11.8% yield. DSCR 2.19 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $42,630 in value; $1,421/yr in principal paydown compounds ownership stake. Total projected return: $89,848.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 5.8% |
| Monthly Cash Flow | $481 | $450 |
City averages based on La Crosse market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,517 |
| Total Monthly Debt Service | $974 |
| DSCR Ratio | 1.56x |
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 1880
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54603, La Crosse, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,285 (100%) |
| Owner Occupied HU | 3,547 (48.7%) |
| Renter Occupied HU | 3,361 (46.1%) |
| Vacant Housing Units | 377 ( 5.2%) |
| Median Home Value | $211,498 |
| Average Home Value | $270,956 |
Housing Distribution
Address Breakdown
Residential
6,908
Single Family
5,749
Multi-Family
1,159
Businesses
588
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 1880
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54603, La Crosse, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,285 (100%) |
| Owner Occupied HU | 3,547 (48.7%) |
| Renter Occupied HU | 3,361 (46.1%) |
| Vacant Housing Units | 377 ( 5.2%) |
| Median Home Value | $211,498 |
| Average Home Value | $270,956 |
Housing Distribution
Address Breakdown
Residential
6,908
Single Family
5,749
Multi-Family
1,159
Businesses
588
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices