305 E Southern StSutherlandIA51058
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 305 E Southern St, Sutherland, IA, 51058 in Sutherland at $191,000. Rental yield 6.44%. The 6.44% yield and 1.19 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $52,770 by year five, and $1,759/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $58,831.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 7.0% |
| Monthly Cash Flow | $(216) | $1,200 |
City averages based on Sutherland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,025 |
| Total Monthly Debt Service | $1,164 |
| DSCR Ratio | 0.88x |
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.
Single Family
Built in 1900
0.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51058, Sutherland, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 499 (100%) |
| Owner Occupied HU | 350 (70.1%) |
| Renter Occupied HU | 75 (15.0%) |
| Vacant Housing Units | 74 (14.8%) |
| Median Home Value | $109,000 |
| Average Home Value | $156,679 |
Housing Distribution
Address Breakdown
Residential
333
Single Family
319
Multi-Family
14
Businesses
37
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 1900
0.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51058, Sutherland, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 499 (100%) |
| Owner Occupied HU | 350 (70.1%) |
| Renter Occupied HU | 75 (15.0%) |
| Vacant Housing Units | 74 (14.8%) |
| Median Home Value | $109,000 |
| Average Home Value | $156,679 |
Housing Distribution
Address Breakdown
Residential
333
Single Family
319
Multi-Family
14
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacey Zimmer • J & K Real Estate
Mls Name: My State MLS
Mls ID: #11550792