315 W View DrOsceolaIA50213
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 315 W View Dr, Osceola, IA, 50213 in Osceola is narrow, $24/mo net on $2,148/mo rent after the $1,470/mo debt service, but the property operates at break-even-plus, not a loss. At $327,000 with a 7.88% yield, the long-run equity case via 5% appreciation ($90,344 over five years) and $3,012/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $126,026.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $24 | $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 | $2,148 |
| Total Monthly Debt Service | $1,994 |
| DSCR Ratio | 1.08x |
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 1988
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50213, Osceola, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,300 (100%) |
| Owner Occupied HU | 1,927 (58.4%) |
| Renter Occupied HU | 1,073 (32.5%) |
| Vacant Housing Units | 300 ( 9.1%) |
| Median Home Value | $158,356 |
| Average Home Value | $224,796 |
Housing Distribution
Address Breakdown
Residential
3,005
Single Family
2,799
Multi-Family
206
Businesses
259
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 1988
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50213, Osceola, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,300 (100%) |
| Owner Occupied HU | 1,927 (58.4%) |
| Renter Occupied HU | 1,073 (32.5%) |
| Vacant Housing Units | 300 ( 9.1%) |
| Median Home Value | $158,356 |
| Average Home Value | $224,796 |
Housing Distribution
Address Breakdown
Residential
3,005
Single Family
2,799
Multi-Family
206
Businesses
259
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Devin R Bear • Frederick Real Estate Services
Mls Name: NoCoast MLS
Mls Provider:
Mls ID: #6329681
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.