2131 4th AveCouncil BluffsIA51501
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 2131 4th Ave, Council Bluffs, IA, 51501 in Council Bluffs earns a 10.3% gross yield at $173,000. Rent of $1,486/mo nets $362/mo after the $778/mo mortgage. The 1.91 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $47,797 and $1,593/yr in equity accumulation project a total cumulative return of $89,197.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 7.2% |
| Monthly Cash Flow | $362 | $450 |
City averages based on Council Bluffs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,486 |
| Total Monthly Debt Service | $1,055 |
| DSCR Ratio | 1.41x |
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 1921
3,880 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51501, Council Bluffs, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,002 (100%) |
| Owner Occupied HU | 8,402 (56.0%) |
| Renter Occupied HU | 5,553 (37.0%) |
| Vacant Housing Units | 1,047 ( 7.0%) |
| Median Home Value | $160,519 |
| Average Home Value | $201,483 |
Housing Distribution
Address Breakdown
Residential
15,035
Single Family
13,328
Multi-Family
1,707
Businesses
951
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 1921
3,880 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51501, Council Bluffs, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,002 (100%) |
| Owner Occupied HU | 8,402 (56.0%) |
| Renter Occupied HU | 5,553 (37.0%) |
| Vacant Housing Units | 1,047 ( 7.0%) |
| Median Home Value | $160,519 |
| Average Home Value | $201,483 |
Housing Distribution
Address Breakdown
Residential
15,035
Single Family
13,328
Multi-Family
1,707
Businesses
951
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Hiers • Better Homes and Gardens Real Estate The Good Life Group
Mls Name: SWIAR
Mls ID: #25-2232