190 Bradley StDubuqueIA52003
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 190 Bradley St, Dubuque, IA, 52003 in Dubuque hard to pass up. The 11.28% gross yield on a $329,500 purchase results in $3,098/mo in rent and $958/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.09). Annual cash flow of $11,502, five-year appreciation of $91,035, and $3,035/yr in equity build-up combine for a projected total cumulative return of $187,015.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 5.2% |
| Monthly Cash Flow | $958 | $850 |
City averages based on Dubuque market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,098 |
| Total Monthly Debt Service | $2,009 |
| DSCR Ratio | 1.54x |
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 1946
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52003, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,282 (100%) |
| Owner Occupied HU | 5,062 (80.6%) |
| Renter Occupied HU | 823 (13.1%) |
| Vacant Housing Units | 397 ( 6.3%) |
| Median Home Value | $305,716 |
| Average Home Value | $344,051 |
Housing Distribution
Address Breakdown
Residential
6,184
Single Family
5,671
Multi-Family
513
Businesses
528
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 1946
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52003, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,282 (100%) |
| Owner Occupied HU | 5,062 (80.6%) |
| Renter Occupied HU | 823 (13.1%) |
| Vacant Housing Units | 397 ( 6.3%) |
| Median Home Value | $305,716 |
| Average Home Value | $344,051 |
Housing Distribution
Address Breakdown
Residential
6,184
Single Family
5,671
Multi-Family
513
Businesses
528
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices