314 N Silver StLamoniIA50140
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 314 N Silver St, Lamoni, IA, 50140 in Lamoni. At $170,000 it earns $1,351/mo in rent and distributes $247/mo to the owner after the $764/mo payment, a consistent 9.54% yield. DSCR 1.77 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $46,968 in value; $1,566/yr in principal paydown compounds ownership stake. Total projected return: $80,592.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $247 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,351 |
| Total Monthly Debt Service | $1,036 |
| DSCR Ratio | 1.30x |
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.
Home Type Unknown
Built in 1970
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50140, Lamoni, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,122 (100%) |
| Owner Occupied HU | 530 (47.2%) |
| Renter Occupied HU | 338 (30.1%) |
| Vacant Housing Units | 254 (22.6%) |
| Median Home Value | $117,647 |
| Average Home Value | $169,165 |
Housing Distribution
Address Breakdown
Residential
956
Single Family
845
Multi-Family
111
Businesses
92
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
Home Type Unknown
Built in 1970
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50140, Lamoni, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,122 (100%) |
| Owner Occupied HU | 530 (47.2%) |
| Renter Occupied HU | 338 (30.1%) |
| Vacant Housing Units | 254 (22.6%) |
| Median Home Value | $117,647 |
| Average Home Value | $169,165 |
Housing Distribution
Address Breakdown
Residential
956
Single Family
845
Multi-Family
111
Businesses
92
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices