206 220th TrlSouth AmanaIA52334
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play206 220th Trl, South Amana, IA, 52334 in South Amana is priced for appreciation, not yield. Rental yield 5.29%. At $332,000 with a 5.29% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $91,725 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.93) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $75,534.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 10.0% |
| Monthly Cash Flow | $(692) | $1,200 |
City averages based on South Amana market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,464 |
| Total Monthly Debt Service | $2,105 |
| DSCR Ratio | 0.70x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52334, South Amana, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 122 (100%) |
| Owner Occupied HU | 95 (77.9%) |
| Renter Occupied HU | 15 (12.3%) |
| Vacant Housing Units | 12 ( 9.8%) |
| Median Home Value | $291,071 |
| Average Home Value | $307,921 |
Housing Distribution
Address Breakdown
Residential
108
Single Family
108
Multi-Family
0
Businesses
7
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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
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Listed by: N/A • N/A
Mls Name: Iowa City Area AOR
Mls Provider:
Mls ID: #202605610
