3331 380th StStratfordIA50249
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 3331 380th St, Stratford, IA, 50249 in Stratford fits: $450,000, 5.56% gross yield, and a projected 5% annual appreciation rate adding $124,327 in value within five years. Rental yield 5.56%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.03) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,145/yr in principal paydown and $124,327 in appreciation project a total return of $117,288.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 7.0% |
| Monthly Cash Flow | $(838) | $300 |
City averages based on Stratford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,084 |
| Total Monthly Debt Service | $2,743 |
| DSCR Ratio | 0.76x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50249, Stratford, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 583 (100%) |
| Owner Occupied HU | 402 (69.0%) |
| Renter Occupied HU | 111 (19.0%) |
| Vacant Housing Units | 70 (12.0%) |
| Median Home Value | $150,806 |
| Average Home Value | $193,514 |
Housing Distribution
Address Breakdown
Residential
325
Single Family
304
Multi-Family
21
Businesses
35
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50249, Stratford, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 583 (100%) |
| Owner Occupied HU | 402 (69.0%) |
| Renter Occupied HU | 111 (19.0%) |
| Vacant Housing Units | 70 (12.0%) |
| Median Home Value | $150,806 |
| Average Home Value | $193,514 |
Housing Distribution
Address Breakdown
Residential
325
Single Family
304
Multi-Family
21
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices