302 E 5th StHuxleyIA50124
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8% yield at 302 E 5th St, Huxley, IA, 50124 in Huxley is solid, but the $1,416/mo payment compresses net cash flow to $55/mo at $314,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $87,001 by year five, and $2,900/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.48) without U.S. income documentation. Total projected return: $123,409.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $55 | $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 | $2,100 |
| Total Monthly Debt Service | $1,920 |
| DSCR Ratio | 1.09x |
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 1966
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50124, Huxley, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,891 (100%) |
| Owner Occupied HU | 1,381 (73.0%) |
| Renter Occupied HU | 405 (21.4%) |
| Vacant Housing Units | 105 ( 5.6%) |
| Median Home Value | $357,770 |
| Average Home Value | $379,308 |
Housing Distribution
Address Breakdown
Residential
1,882
Single Family
1,685
Multi-Family
197
Businesses
117
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 1966
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50124, Huxley, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,891 (100%) |
| Owner Occupied HU | 1,381 (73.0%) |
| Renter Occupied HU | 405 (21.4%) |
| Vacant Housing Units | 105 ( 5.6%) |
| Median Home Value | $357,770 |
| Average Home Value | $379,308 |
Housing Distribution
Address Breakdown
Residential
1,882
Single Family
1,685
Multi-Family
197
Businesses
117
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices