212 E Main StLuxemburgIA52056
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 212 E Main St, Luxemburg, IA, 52056 in Luxemburg at $124,900 earns $995/mo in rent and nets $184/mo after the $562/mo payment, a 9.56% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $34,508 over five years. Ziffy Mortgage underwrites this on a 1.77 DSCR without U.S. credit history. With $1,150/yr in principal paydown, total projected return reaches $59,386.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $184 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $995 |
| Total Monthly Debt Service | $761 |
| DSCR Ratio | 1.31x |
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 1890
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52056, Luxemburg, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12 (100%) |
| Owner Occupied HU | 11 (91.7%) |
| Renter Occupied HU | 1 ( 8.3%) |
| Vacant Housing Units | 0 |
| Median Home Value | $162,500 |
| Average Home Value | $242,955 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
13
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 1890
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52056, Luxemburg, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12 (100%) |
| Owner Occupied HU | 11 (91.7%) |
| Renter Occupied HU | 1 ( 8.3%) |
| Vacant Housing Units | 0 |
| Median Home Value | $162,500 |
| Average Home Value | $242,955 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
