15100 331st AveUnionvilleIA52594
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 15100 331st Ave, Unionville, IA, 52594 in Unionville fits: $219,900, 5.95% gross yield, and a projected 5% annual appreciation rate adding $60,754 in value within five years. Rental yield 5.95%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.10) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,025/yr in principal paydown and $60,754 in appreciation project a total return of $61,961.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.0% |
| Monthly Cash Flow | $(364) | $350 |
City averages based on Unionville market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,090 |
| Total Monthly Debt Service | $1,341 |
| DSCR Ratio | 0.81x |
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 2015
1.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52594, Unionville, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 198 (100%) |
| Owner Occupied HU | 122 (61.6%) |
| Renter Occupied HU | 28 (14.1%) |
| Vacant Housing Units | 48 (24.2%) |
| Median Home Value | $264,286 |
| Average Home Value | $289,447 |
Housing Distribution
Address Breakdown
Residential
158
Single Family
158
Multi-Family
0
Businesses
6
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 2015
1.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52594, Unionville, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 198 (100%) |
| Owner Occupied HU | 122 (61.6%) |
| Renter Occupied HU | 28 (14.1%) |
| Vacant Housing Units | 48 (24.2%) |
| Median Home Value | $264,286 |
| Average Home Value | $289,447 |
Housing Distribution
Address Breakdown
Residential
158
Single Family
158
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: DMMLS
Mls ID: #744767