1794 Garfield AveNorth LibertyIA52358
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 1794 Garfield Ave, North Liberty, IA, 52358 in North Liberty at $458,110, 3.61% gross yield, is a market-growth asset. Rental yield 3.61%. The $1,379/mo rent partially funds the $2,060/mo debt service; the core return is the 5%/yr price growth projected to add $126,567 over five years. Ziffy Mortgage's DSCR mortgage (0.67) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $71,639.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 5.8% |
| Monthly Cash Flow | $(1,596) | $420 |
City averages based on North Liberty market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,379 |
| Total Monthly Debt Service | $2,793 |
| DSCR Ratio | 0.49x |
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 N/A
30.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52358, West Branch, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,903 (100%) |
| Owner Occupied HU | 1,433 (75.3%) |
| Renter Occupied HU | 319 (16.8%) |
| Vacant Housing Units | 151 ( 7.9%) |
| Median Home Value | $298,664 |
| Average Home Value | $326,218 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,649
Multi-Family
42
Businesses
110
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 N/A
30.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52358, West Branch, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,903 (100%) |
| Owner Occupied HU | 1,433 (75.3%) |
| Renter Occupied HU | 319 (16.8%) |
| Vacant Housing Units | 151 ( 7.9%) |
| Median Home Value | $298,664 |
| Average Home Value | $326,218 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,649
Multi-Family
42
Businesses
110
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Doug Hensley • Hertz Real Estate Services
Mls Name: NoCoast MLS
Mls Provider:
Mls ID: #6326741
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.