2978 Ranch TrlMenloIA50164
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 2978 Ranch Trl, Menlo, IA, 50164 in Menlo. Rental yield 6.77%. The 1.19 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $89,792 and $2,724/yr in principal reduction project total return of $99,725.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.2% |
| Monthly Cash Flow | $(277) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,834 |
| Total Monthly Debt Service | $2,061 |
| DSCR Ratio | 0.89x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1900
3.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50164, Menlo, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 228 (77.3%) |
| Renter Occupied HU | 27 ( 9.2%) |
| Vacant Housing Units | 40 (13.6%) |
| Median Home Value | $234,000 |
| Average Home Value | $257,577 |
Housing Distribution
Address Breakdown
Residential
192
Single Family
192
Multi-Family
0
Businesses
19
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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
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