20216 Kruse LnSherrillIA52073
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 20216 Kruse Ln, Sherrill, IA, 52073 in Sherrill is capital appreciation. Rental yield 4.02%. The 4.02% gross yield at $449,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $124,299 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.74) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $80,127.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.0% |
| Monthly Cash Flow | $(1,416) | $1,200 |
City averages based on Sherrill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,506 |
| Total Monthly Debt Service | $2,743 |
| DSCR Ratio | 0.55x |
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 2014
5.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52073, Sherrill, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 670 (100%) |
| Owner Occupied HU | 575 (85.8%) |
| Renter Occupied HU | 57 ( 8.5%) |
| Vacant Housing Units | 38 ( 5.7%) |
| Median Home Value | $382,534 |
| Average Home Value | $480,961 |
Housing Distribution
Address Breakdown
Residential
615
Single Family
615
Multi-Family
0
Businesses
22
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 2014
5.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52073, Sherrill, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 670 (100%) |
| Owner Occupied HU | 575 (85.8%) |
| Renter Occupied HU | 57 ( 8.5%) |
| Vacant Housing Units | 38 ( 5.7%) |
| Median Home Value | $382,534 |
| Average Home Value | $480,961 |
Housing Distribution
Address Breakdown
Residential
615
Single Family
615
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices