17961 Spencer RdPleasant ValleyIA52767
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 17961 Spencer Rd, Pleasant Valley, IA, 52767 in Pleasant Valley. Priced at $191,200, it generates $2,048/mo in gross rent and $807/mo in net monthly cash flow, a 12.86% yield that comfortably supports the 2.38 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,680. Five-year appreciation: $52,825. Equity from principal paydown: $1,761/yr. Total projected cumulative return: $124,681.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 5.4% |
| Monthly Cash Flow | $807 | $300 |
City averages based on Pleasant Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,048 |
| Total Monthly Debt Service | $1,166 |
| DSCR Ratio | 1.76x |
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 1978
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52767, Pleasant Valley, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 32 (100%) |
| Owner Occupied HU | 21 (65.6%) |
| Renter Occupied HU | 1 ( 3.1%) |
| Vacant Housing Units | 10 (31.2%) |
| Median Home Value | $517,857 |
| Average Home Value | $511,905 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
39
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 1978
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52767, Pleasant Valley, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 32 (100%) |
| Owner Occupied HU | 21 (65.6%) |
| Renter Occupied HU | 1 ( 3.1%) |
| Vacant Housing Units | 10 (31.2%) |
| Median Home Value | $517,857 |
| Average Home Value | $511,905 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A