313 James BlvdOxfordIA52322
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 313 James Blvd, Oxford, IA, 52322 in Oxford is listed at $325,000 and delivers $2,335/mo in rent and $224/mo in net monthly cash flow. The 8.62% yield and 1.60 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $89,792 over five years, and $2,993/yr in principal reduction supplements cash return. Total projected cumulative return: $138,114.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $224 | $400 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,335 |
| Total Monthly Debt Service | $1,981 |
| DSCR Ratio | 1.18x |
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 2022
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52322, Oxford, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,040 (100%) |
| Owner Occupied HU | 832 (80.0%) |
| Renter Occupied HU | 140 (13.5%) |
| Vacant Housing Units | 68 ( 6.5%) |
| Median Home Value | $421,986 |
| Average Home Value | $509,781 |
Housing Distribution
Address Breakdown
Residential
793
Single Family
706
Multi-Family
87
Businesses
46
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 2022
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52322, Oxford, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,040 (100%) |
| Owner Occupied HU | 832 (80.0%) |
| Renter Occupied HU | 140 (13.5%) |
| Vacant Housing Units | 68 ( 6.5%) |
| Median Home Value | $421,986 |
| Average Home Value | $509,781 |
Housing Distribution
Address Breakdown
Residential
793
Single Family
706
Multi-Family
87
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices