3509 E 14th StSioux CityIA51105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3509 E 14th St, Sioux City, IA, 51105 in Sioux City at $209,900 earns $1,440/mo in rent and nets $77/mo after the $944/mo payment, a 8.23% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $57,992 over five years. Ziffy Mortgage underwrites this on a 1.53 DSCR without U.S. credit history. With $1,933/yr in principal paydown, total projected return reaches $84,850.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.2% |
| Monthly Cash Flow | $77 | $450 |
City averages based on Sioux City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $1,280 |
| DSCR Ratio | 1.13x |
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.
Townhouse
Built in 2016
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51105, Sioux City, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,282 (100%) |
| Owner Occupied HU | 1,713 (40.0%) |
| Renter Occupied HU | 2,156 (50.4%) |
| Vacant Housing Units | 413 ( 9.6%) |
| Median Home Value | $101,670 |
| Average Home Value | $126,248 |
Housing Distribution
Address Breakdown
Residential
3,867
Single Family
3,143
Multi-Family
724
Businesses
350
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
Townhouse
Built in 2016
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51105, Sioux City, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,282 (100%) |
| Owner Occupied HU | 1,713 (40.0%) |
| Renter Occupied HU | 2,156 (50.4%) |
| Vacant Housing Units | 413 ( 9.6%) |
| Median Home Value | $101,670 |
| Average Home Value | $126,248 |
Housing Distribution
Address Breakdown
Residential
3,867
Single Family
3,143
Multi-Family
724
Businesses
350
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tammy Bertrand • Keller Williams Siouxland
Mls Name: Northwest Iowa Regional BOR
Mls Provider:
Mls ID: #828701
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. Listing information is deemed reliable, but not guaranteed.