34099 Smiths Ferry RdBellevueIA52031
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 34099 Smiths Ferry Rd, Bellevue, IA, 52031 in Bellevue at $252,000, 5.81% gross yield, is a market-growth asset. Rental yield 5.81%. The $1,220/mo rent partially funds the $1,133/mo debt service; the core return is the 5%/yr price growth projected to add $69,623 over five years. Ziffy Mortgage's DSCR mortgage (1.08) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $57,886.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.0% |
| Monthly Cash Flow | $(603) | $1,200 |
City averages based on Bellevue market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,220 |
| Total Monthly Debt Service | $1,723 |
| DSCR Ratio | 0.71x |
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 2002
N/A lot
$N/A/sqft
$187 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52031, Bellevue, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,451 (100%) |
| Owner Occupied HU | 1,784 (72.8%) |
| Renter Occupied HU | 376 (15.3%) |
| Vacant Housing Units | 291 (11.9%) |
| Median Home Value | $258,844 |
| Average Home Value | $324,631 |
Housing Distribution
Address Breakdown
Residential
2,192
Single Family
2,148
Multi-Family
44
Businesses
139
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 2002
N/A lot
$N/A/sqft
$187 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52031, Bellevue, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,451 (100%) |
| Owner Occupied HU | 1,784 (72.8%) |
| Renter Occupied HU | 376 (15.3%) |
| Vacant Housing Units | 291 (11.9%) |
| Median Home Value | $258,844 |
| Average Home Value | $324,631 |
Housing Distribution
Address Breakdown
Residential
2,192
Single Family
2,148
Multi-Family
44
Businesses
139
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices