302 N Main StEarlyIA50535
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow302 N Main St, Early, IA, 50535 in Early is a top-tier cash-flow asset. At $165,000 it produces $1,676/mo in rent and $605/mo in net monthly income, a 12.19% gross rental yield. The DSCR of 2.26 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $7,258. Five-year appreciation adds $45,586, driving a total cumulative return of $101,666.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 8.0% |
| Monthly Cash Flow | $605 | $400 |
City averages based on Early market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,676 |
| Total Monthly Debt Service | $1,006 |
| DSCR Ratio | 1.67x |
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 1910
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50535, Early, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 416 (100%) |
| Owner Occupied HU | 281 (67.5%) |
| Renter Occupied HU | 86 (20.7%) |
| Vacant Housing Units | 49 (11.8%) |
| Median Home Value | $141,071 |
| Average Home Value | $214,600 |
Housing Distribution
Address Breakdown
Residential
218
Single Family
218
Multi-Family
0
Businesses
16
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 1910
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50535, Early, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 416 (100%) |
| Owner Occupied HU | 281 (67.5%) |
| Renter Occupied HU | 86 (20.7%) |
| Vacant Housing Units | 49 (11.8%) |
| Median Home Value | $141,071 |
| Average Home Value | $214,600 |
Housing Distribution
Address Breakdown
Residential
218
Single Family
218
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Georgia A Weaver • Weaver LLC Realtors
Mls Name: Northwest Iowa Regional BOR
Mls Provider:
Mls ID: #829163
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.