20536 Saint Josephs DrDurangoIA52039
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 20536 Saint Josephs Dr, Durango, IA, 52039 in Durango is a conservative rental investment at $435,000. Rental yield 6.6%. A 1.22 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $120,182; $4,006/yr in principal paydown supplements. Total projected return: $137,647.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.0% |
| Monthly Cash Flow | $(434) | $250 |
City averages based on Durango market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,392 |
| Total Monthly Debt Service | $2,652 |
| DSCR Ratio | 0.90x |
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 1996
0.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52039, Durango, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 345 (100%) |
| Owner Occupied HU | 289 (83.8%) |
| Renter Occupied HU | 27 ( 7.8%) |
| Vacant Housing Units | 29 ( 8.4%) |
| Median Home Value | $420,732 |
| Average Home Value | $466,721 |
Housing Distribution
Address Breakdown
Residential
472
Single Family
472
Multi-Family
0
Businesses
7
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 1996
0.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52039, Durango, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 345 (100%) |
| Owner Occupied HU | 289 (83.8%) |
| Renter Occupied HU | 27 ( 7.8%) |
| Vacant Housing Units | 29 ( 8.4%) |
| Median Home Value | $420,732 |
| Average Home Value | $466,721 |
Housing Distribution
Address Breakdown
Residential
472
Single Family
472
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices