1526 Rock StSioux CityIA51105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 1526 Rock St, Sioux City, IA, 51105 in Sioux City worth modelling. At $129,000 with a 9.51% gross yield, the $1,022/mo rent leaves $184/mo after the $580/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.76 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $35,640 by year five; $1,188/yr in principal reduction adds further equity. Total projected return: $60,972.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 7.2% |
| Monthly Cash Flow | $184 | $450 |
City averages based on Sioux City 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 | $1,022 |
| Total Monthly Debt Service | $786 |
| DSCR Ratio | 1.30x |
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 1914
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51105, Sioux City, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,282 (100%) |
| Owner Occupied HU | 1,713 (40.0%) |
| Renter Occupied HU | 2,156 (50.4%) |
| Vacant Housing Units | 413 ( 9.6%) |
| Median Home Value | $101,670 |
| Average Home Value | $126,248 |
Housing Distribution
Address Breakdown
Residential
3,867
Single Family
3,143
Multi-Family
724
Businesses
350
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 1914
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51105, Sioux City, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,282 (100%) |
| Owner Occupied HU | 1,713 (40.0%) |
| Renter Occupied HU | 2,156 (50.4%) |
| Vacant Housing Units | 413 ( 9.6%) |
| Median Home Value | $101,670 |
| Average Home Value | $126,248 |
Housing Distribution
Address Breakdown
Residential
3,867
Single Family
3,143
Multi-Family
724
Businesses
350
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Northwest Iowa Regional BOR
Mls ID: #832866