217 N Main StHalburIA51444
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 217 N Main St, Halbur, IA, 51444 in Halbur is narrow, $186/mo net on $1,160/mo rent after the $674/mo debt service, but the property operates at break-even-plus, not a loss. At $149,900 with a 9.29% yield, the long-run equity case via 5% appreciation ($41,415 over five years) and $1,381/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.72 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $69,095.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $186 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,160 |
| Total Monthly Debt Service | $914 |
| DSCR Ratio | 1.27x |
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 1915
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51444, Halbur, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 75 (100%) |
| Owner Occupied HU | 62 (82.7%) |
| Renter Occupied HU | 11 (14.7%) |
| Vacant Housing Units | 2 ( 2.7%) |
| Median Home Value | $316,667 |
| Average Home Value | $359,839 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
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 1915
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51444, Halbur, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 75 (100%) |
| Owner Occupied HU | 62 (82.7%) |
| Renter Occupied HU | 11 (14.7%) |
| Vacant Housing Units | 2 ( 2.7%) |
| Median Home Value | $316,667 |
| Average Home Value | $359,839 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices