273 Union StDubuqueIA52003
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 273 Union St, Dubuque, IA, 52003 in Dubuque hard to pass up. The 12.31% gross yield on a $179,900 purchase results in $1,846/mo in rent and $677/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.28). Annual cash flow of $8,127, five-year appreciation of $49,703, and $1,657/yr in equity build-up combine for a projected total cumulative return of $112,102.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 5.2% |
| Monthly Cash Flow | $677 | $850 |
City averages based on Dubuque market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,846 |
| Total Monthly Debt Service | $1,097 |
| DSCR Ratio | 1.68x |
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
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52003, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,282 (100%) |
| Owner Occupied HU | 5,062 (80.6%) |
| Renter Occupied HU | 823 (13.1%) |
| Vacant Housing Units | 397 ( 6.3%) |
| Median Home Value | $305,716 |
| Average Home Value | $344,051 |
Housing Distribution
Address Breakdown
Residential
6,184
Single Family
5,671
Multi-Family
513
Businesses
528
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
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52003, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,282 (100%) |
| Owner Occupied HU | 5,062 (80.6%) |
| Renter Occupied HU | 823 (13.1%) |
| Vacant Housing Units | 397 ( 6.3%) |
| Median Home Value | $305,716 |
| Average Home Value | $344,051 |
Housing Distribution
Address Breakdown
Residential
6,184
Single Family
5,671
Multi-Family
513
Businesses
528
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices