2301 Helle DrDubuqueIA52002
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 2301 Helle Dr, Dubuque, IA, 52002 in Dubuque at $324,900 earns $2,135/mo in rent and nets $25/mo after the $1,461/mo payment, a 7.88% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $89,764 over five years. Ziffy Mortgage underwrites this on a 1.46 DSCR without U.S. credit history. With $2,992/yr in principal paydown, total projected return reaches $125,277.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.2% |
| Monthly Cash Flow | $25 | $850 |
City averages based on Dubuque market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,135 |
| Total Monthly Debt Service | $1,981 |
| DSCR Ratio | 1.08x |
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.
Townhouse
Built in 2010
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52002, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,260 (100%) |
| Owner Occupied HU | 5,171 (71.2%) |
| Renter Occupied HU | 1,724 (23.7%) |
| Vacant Housing Units | 365 ( 5.0%) |
| Median Home Value | $303,676 |
| Average Home Value | $336,713 |
Housing Distribution
Address Breakdown
Residential
7,304
Single Family
5,955
Multi-Family
1,349
Businesses
652
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 2010
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52002, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,260 (100%) |
| Owner Occupied HU | 5,171 (71.2%) |
| Renter Occupied HU | 1,724 (23.7%) |
| Vacant Housing Units | 365 ( 5.0%) |
| Median Home Value | $303,676 |
| Average Home Value | $336,713 |
Housing Distribution
Address Breakdown
Residential
7,304
Single Family
5,955
Multi-Family
1,349
Businesses
652
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices