307 W Williams StPostvilleIA52162
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 307 W Williams St, Postville, IA, 52162 in Postville. At $169,550 it earns $1,303/mo in rent and distributes $202/mo to the owner after the $762/mo payment, a consistent 9.22% yield. DSCR 1.71 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $46,844 in value; $1,562/yr in principal paydown compounds ownership stake. Total projected return: $77,552.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $202 | $400 |
City averages based on Postville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,303 |
| Total Monthly Debt Service | $1,034 |
| DSCR Ratio | 1.26x |
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 1902
10,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52162, Postville, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,347 (100%) |
| Owner Occupied HU | 806 (59.8%) |
| Renter Occupied HU | 398 (29.5%) |
| Vacant Housing Units | 143 (10.6%) |
| Median Home Value | $159,211 |
| Average Home Value | $285,810 |
Housing Distribution
Address Breakdown
Residential
568
Single Family
529
Multi-Family
39
Businesses
100
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 1902
10,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52162, Postville, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,347 (100%) |
| Owner Occupied HU | 806 (59.8%) |
| Renter Occupied HU | 398 (29.5%) |
| Vacant Housing Units | 143 (10.6%) |
| Median Home Value | $159,211 |
| Average Home Value | $285,810 |
Housing Distribution
Address Breakdown
Residential
568
Single Family
529
Multi-Family
39
Businesses
100
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices