1870 Trophy Run LnHarpers FerryIA52146
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1870 Trophy Run Ln, Harpers Ferry, IA, 52146 in Harpers Ferry is priced for appreciation, not yield. Rental yield 4.18%. At $435,000 with a 4.18% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $120,182 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.78) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $81,283.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.2% |
| Monthly Cash Flow | $(1,356) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,516 |
| Total Monthly Debt Service | $2,652 |
| DSCR Ratio | 0.57x |
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 2007
5.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52146, Harpers Ferry, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,286 (100%) |
| Owner Occupied HU | 403 (31.3%) |
| Renter Occupied HU | 39 ( 3.0%) |
| Vacant Housing Units | 844 (65.6%) |
| Median Home Value | $232,265 |
| Average Home Value | $288,505 |
Housing Distribution
Address Breakdown
Residential
407
Single Family
407
Multi-Family
0
Businesses
25
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 2007
5.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52146, Harpers Ferry, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,286 (100%) |
| Owner Occupied HU | 403 (31.3%) |
| Renter Occupied HU | 39 ( 3.0%) |
| Vacant Housing Units | 844 (65.6%) |
| Median Home Value | $232,265 |
| Average Home Value | $288,505 |
Housing Distribution
Address Breakdown
Residential
407
Single Family
407
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Northeast Iowa Regional BOR as distributed by MLS GRID
Mls ID: #20261960