201 South StUrbanaIA52345
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe income profile at 201 South St, Urbana, IA, 52345 in Urbana is straightforward: $154,500 in, $1,394/mo in rent, $391/mo out after debt service. The 10.83% gross yield and 2.01 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $42,686 by year five. With $1,423/yr in principal equity, the total cumulative return is projected at $83,926.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.0% |
| Monthly Cash Flow | $391 | $300 |
City averages based on Urbana market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,394 |
| Total Monthly Debt Service | $942 |
| DSCR Ratio | 1.48x |
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 1949
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52345, Urbana, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 578 (100%) |
| Owner Occupied HU | 497 (86.0%) |
| Renter Occupied HU | 56 ( 9.7%) |
| Vacant Housing Units | 25 ( 4.3%) |
| Median Home Value | $238,915 |
| Average Home Value | $301,826 |
Housing Distribution
Address Breakdown
Residential
472
Single Family
472
Multi-Family
0
Businesses
42
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 1949
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52345, Urbana, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 578 (100%) |
| Owner Occupied HU | 497 (86.0%) |
| Renter Occupied HU | 56 ( 9.7%) |
| Vacant Housing Units | 25 ( 4.3%) |
| Median Home Value | $238,915 |
| Average Home Value | $301,826 |
Housing Distribution
Address Breakdown
Residential
472
Single Family
472
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices