3722 4th AveCouncil BluffsIA51501
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3722 4th Ave, Council Bluffs, IA, 51501 in Council Bluffs is narrow, $160/mo net on $1,149/mo rent after the $652/mo debt service, but the property operates at break-even-plus, not a loss. At $145,000 with a 9.12% yield, the long-run equity case via 5% appreciation ($40,061 over five years) and $1,335/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.76 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $68,518.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.2% |
| Monthly Cash Flow | $160 | $450 |
City averages based on Council Bluffs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,149 |
| Total Monthly Debt Service | $884 |
| DSCR Ratio | 1.30x |
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 1956
6,875 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51501, Council Bluffs, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,002 (100%) |
| Owner Occupied HU | 8,402 (56.0%) |
| Renter Occupied HU | 5,553 (37.0%) |
| Vacant Housing Units | 1,047 ( 7.0%) |
| Median Home Value | $160,519 |
| Average Home Value | $201,483 |
Housing Distribution
Address Breakdown
Residential
15,035
Single Family
13,328
Multi-Family
1,707
Businesses
951
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 1956
6,875 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51501, Council Bluffs, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,002 (100%) |
| Owner Occupied HU | 8,402 (56.0%) |
| Renter Occupied HU | 5,553 (37.0%) |
| Vacant Housing Units | 1,047 ( 7.0%) |
| Median Home Value | $160,519 |
| Average Home Value | $201,483 |
Housing Distribution
Address Breakdown
Residential
15,035
Single Family
13,328
Multi-Family
1,707
Businesses
951
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Todd Cook • NextHome In The Bluffs
Mls Name: SWIAR
Mls ID: #25-897
Disclaimer: Copyright Southwest Iowa Association of Realtors. All rights reserved. Data is deemed reliable but is not guaranteed accurate by the MLS.