3393 265th StSaint CharlesIA50240
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3393 265th St, Saint Charles, IA, 50240 in Saint Charles. At $364,999 it earns $2,659/mo in rent and distributes $289/mo to the owner after the $1,641/mo payment, a consistent 8.74% yield. DSCR 1.62 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $100,842 in value; $3,362/yr in principal paydown compounds ownership stake. Total projected return: $157,452.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.0% |
| Monthly Cash Flow | $289 | $150 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,659 |
| Total Monthly Debt Service | $2,225 |
| DSCR Ratio | 1.19x |
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 1997
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50240, Saint Charles, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 921 (100%) |
| Owner Occupied HU | 771 (83.7%) |
| Renter Occupied HU | 100 (10.9%) |
| Vacant Housing Units | 50 ( 5.4%) |
| Median Home Value | $294,792 |
| Average Home Value | $384,351 |
Housing Distribution
Address Breakdown
Residential
912
Single Family
912
Multi-Family
0
Businesses
41
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 1997
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50240, Saint Charles, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 921 (100%) |
| Owner Occupied HU | 771 (83.7%) |
| Renter Occupied HU | 100 (10.9%) |
| Vacant Housing Units | 50 ( 5.4%) |
| Median Home Value | $294,792 |
| Average Home Value | $384,351 |
Housing Distribution
Address Breakdown
Residential
912
Single Family
912
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: STEVEN CAMERONA • Iowa Realty Beaverdale
Mls Name: DMMLS
Mls ID: #734392