320 Division StJewellIA50130
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 320 Division St, Jewell, IA, 50130 in Jewell at $179,900 earns $1,252/mo in rent and nets $83/mo after the $809/mo payment, a 8.35% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $49,703 over five years. Ziffy Mortgage underwrites this on a 1.55 DSCR without U.S. credit history. With $1,657/yr in principal paydown, total projected return reaches $73,882.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $83 | $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 | $1,252 |
| Total Monthly Debt Service | $1,097 |
| DSCR Ratio | 1.14x |
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 1975
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50130, Jewell, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 713 (100%) |
| Owner Occupied HU | 519 (72.8%) |
| Renter Occupied HU | 134 (18.8%) |
| Vacant Housing Units | 60 ( 8.4%) |
| Median Home Value | $154,960 |
| Average Home Value | $217,702 |
Housing Distribution
Address Breakdown
Residential
484
Single Family
484
Multi-Family
0
Businesses
42
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 1975
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50130, Jewell, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 713 (100%) |
| Owner Occupied HU | 519 (72.8%) |
| Renter Occupied HU | 134 (18.8%) |
| Vacant Housing Units | 60 ( 8.4%) |
| Median Home Value | $154,960 |
| Average Home Value | $217,702 |
Housing Distribution
Address Breakdown
Residential
484
Single Family
484
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mark Greenfield • RE/MAX REAL ESTATE CENTER
Mls Name: CIBR
Mls Provider:
Mls ID: #67202
Disclaimer: Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but not accurate.