301 21st StSioux CityIA51104
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 301 21st St, Sioux City, IA, 51104 in Sioux City worth study. Rental yield 1.44%. The 1.44% gross yield is below cash-flow benchmarks at $1,100,000, but 5% annual appreciation, adding $303,910 over five years, frames this as a capital growth position. Rent of $1,320/mo partially offsets the $4,946/mo payment. Ziffy Mortgage finances appreciation-play properties (0.27 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $43,799.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.4% | 7.2% |
| Monthly Cash Flow | $(5,824) | $450 |
City averages based on Sioux City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,320 |
| Total Monthly Debt Service | $6,706 |
| DSCR Ratio | 0.20x |
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.
Multi Family
Built in 1905
3,484 sqft lot
$N/A/sqft
Has HOA fee 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
Multi Family
Built in 1905
3,484 sqft lot
$N/A/sqft
Has HOA fee HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brandi Jorgensen • J & M Real Estate Group Inc.
Mls Name: Northwest Iowa Regional BOR
Mls Provider:
Mls ID: #826708
Disclaimer: Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing information is deemed reliable, but not guaranteed.