316 E 1st StWiltonIA52778
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 316 E 1st St, Wilton, IA, 52778 in Wilton deserves attention. This $135,160 property earns $1,507/mo in rent, a 13.38% gross yield, and nets $628/mo after the $608/mo payment. DSCR 2.48 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $37,342 compounds alongside $1,245/yr in yearly equity build, for a total cumulative return of $91,795.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.4% | 6.0% |
| Monthly Cash Flow | $628 | $250 |
City averages based on Wilton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,507 |
| Total Monthly Debt Service | $826 |
| DSCR Ratio | 1.82x |
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 1985
10,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52778, Wilton, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,651 (100%) |
| Owner Occupied HU | 1,189 (72.0%) |
| Renter Occupied HU | 341 (20.7%) |
| Vacant Housing Units | 121 ( 7.3%) |
| Median Home Value | $194,189 |
| Average Home Value | $249,346 |
Housing Distribution
Address Breakdown
Residential
1,092
Single Family
983
Multi-Family
109
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 1985
10,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52778, Wilton, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,651 (100%) |
| Owner Occupied HU | 1,189 (72.0%) |
| Renter Occupied HU | 341 (20.7%) |
| Vacant Housing Units | 121 ( 7.3%) |
| Median Home Value | $194,189 |
| Average Home Value | $249,346 |
Housing Distribution
Address Breakdown
Residential
1,092
Single Family
983
Multi-Family
109
Businesses
100
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices