1926 15th StRock ValleyIA51247
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1926 15th St, Rock Valley, IA, 51247 in Rock Valley is narrow, $140/mo net on $1,760/mo rent after the $1,122/mo debt service, but the property operates at break-even-plus, not a loss. At $249,500 with a 8.47% yield, the long-run equity case via 5% appreciation ($68,932 over five years) and $2,298/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.57 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $103,925.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $140 | $300 |
City averages based on Rock Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,760 |
| Total Monthly Debt Service | $1,521 |
| DSCR Ratio | 1.16x |
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 N/A
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51247, Rock Valley, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,071 (100%) |
| Owner Occupied HU | 1,571 (75.9%) |
| Renter Occupied HU | 379 (18.3%) |
| Vacant Housing Units | 121 ( 5.8%) |
| Median Home Value | $270,525 |
| Average Home Value | $384,378 |
Housing Distribution
Address Breakdown
Residential
2,014
Single Family
1,866
Multi-Family
148
Businesses
216
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
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51247, Rock Valley, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,071 (100%) |
| Owner Occupied HU | 1,571 (75.9%) |
| Renter Occupied HU | 379 (18.3%) |
| Vacant Housing Units | 121 ( 5.8%) |
| Median Home Value | $270,525 |
| Average Home Value | $384,378 |
Housing Distribution
Address Breakdown
Residential
2,014
Single Family
1,866
Multi-Family
148
Businesses
216
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan Zomer • Zomer Company
Mls Name: My State MLS
Mls ID: #11540027