16025 145th StWhitingIA51063
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 16025 145th St, Whiting, IA, 51063 in Whiting at $109,900 earns $874/mo in rent and nets $168/mo after the $494/mo payment, a 9.63% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,363 over five years. Ziffy Mortgage underwrites this on a 1.77 DSCR without U.S. credit history. With $1,012/yr in principal paydown, total projected return reaches $52,192.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 8.0% |
| Monthly Cash Flow | $168 | $250 |
City averages based on Whiting market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $874 |
| Total Monthly Debt Service | $670 |
| 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 1981
2.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51063, Whiting, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 491 (100%) |
| Owner Occupied HU | 338 (68.8%) |
| Renter Occupied HU | 111 (22.6%) |
| Vacant Housing Units | 42 ( 8.6%) |
| Median Home Value | $127,000 |
| Average Home Value | $170,074 |
Housing Distribution
Address Breakdown
Residential
318
Single Family
302
Multi-Family
16
Businesses
32
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 1981
2.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51063, Whiting, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 491 (100%) |
| Owner Occupied HU | 338 (68.8%) |
| Renter Occupied HU | 111 (22.6%) |
| Vacant Housing Units | 42 ( 8.6%) |
| Median Home Value | $127,000 |
| Average Home Value | $170,074 |
Housing Distribution
Address Breakdown
Residential
318
Single Family
302
Multi-Family
16
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Aaron Bircher • Keller Williams Siouxland
Mls Name: Northwest Iowa Regional BOR
Mls Provider:
Mls ID: #828338
Disclaimer: Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing information is deemed reliable, but not guaranteed.