221 Maple StDes MoinesIA50309
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 221 Maple St, Des Moines, IA, 50309 in Des Moines worth study. Rental yield 3.61%. The 3.61% gross yield is below cash-flow benchmarks at $491,900, but 5% annual appreciation, adding $135,903 over five years, frames this as a capital growth position. Rent of $1,478/mo partially offsets the $2,212/mo payment. Ziffy Mortgage finances appreciation-play properties (0.67 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $60,799.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.5% |
| Monthly Cash Flow | $(1,981) | $450 |
City averages based on Des Moines market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,478 |
| Total Monthly Debt Service | $3,264 |
| DSCR Ratio | 0.45x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 2021
1,437 sqft lot
$N/A/sqft
$265 monthly HOA
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
Townhouse
Built in 2021
1,437 sqft lot
$N/A/sqft
$265 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rob Burditt • Hubbell Homes of Iowa, LLC
Mls Name: DMMLS
Mls Provider:
Mls ID: #714861
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