319 S 10th StOsageIA50461
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 319 S 10th St, Osage, IA, 50461 in Osage is listed at $162,000 and delivers $1,459/mo in rent and $407/mo in net monthly cash flow. The 10.81% yield and 2.00 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 $44,758 over five years, and $1,492/yr in principal reduction supplements cash return. Total projected cumulative return: $87,865.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $407 | $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 | $1,459 |
| Total Monthly Debt Service | $988 |
| DSCR Ratio | 1.48x |
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 1924
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50461, Osage, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,736 (100%) |
| Owner Occupied HU | 1,872 (68.4%) |
| Renter Occupied HU | 573 (20.9%) |
| Vacant Housing Units | 291 (10.6%) |
| Median Home Value | $193,555 |
| Average Home Value | $251,899 |
Housing Distribution
Address Breakdown
Residential
2,500
Single Family
2,437
Multi-Family
63
Businesses
244
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 1924
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50461, Osage, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,736 (100%) |
| Owner Occupied HU | 1,872 (68.4%) |
| Renter Occupied HU | 573 (20.9%) |
| Vacant Housing Units | 291 (10.6%) |
| Median Home Value | $193,555 |
| Average Home Value | $251,899 |
Housing Distribution
Address Breakdown
Residential
2,500
Single Family
2,437
Multi-Family
63
Businesses
244
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices