210 West StShambaughIA51651
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.19% yield at 210 West St, Shambaugh, IA, 51651 in Shambaugh is solid, but the $839/mo payment compresses net cash flow to $62/mo at $186,500. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $51,527 by year five, and $1,718/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.52) without U.S. income documentation. Total projected return: $74,946.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $62 | $300 |
City averages based on Shambaugh market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,273 |
| Total Monthly Debt Service | $1,137 |
| DSCR Ratio | 1.12x |
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 2001
3.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51651, Shambaugh, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 39 (100%) |
| Owner Occupied HU | 29 (74.4%) |
| Renter Occupied HU | 2 ( 5.1%) |
| Vacant Housing Units | 8 (20.5%) |
| Median Home Value | $225,000 |
| Average Home Value | $420,862 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
4
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 2001
3.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51651, Shambaugh, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 39 (100%) |
| Owner Occupied HU | 29 (74.4%) |
| Renter Occupied HU | 2 ( 5.1%) |
| Vacant Housing Units | 8 (20.5%) |
| Median Home Value | $225,000 |
| Average Home Value | $420,862 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices