400 Fruitt AveMc CallsburgIA50154
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.21% yield at 400 Fruitt Ave, Mc Callsburg, IA, 50154 in Mc Callsburg is solid, but the $1,482/mo payment compresses net cash flow to $114/mo at $329,600. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $91,062 by year five, and $3,036/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.52) without U.S. income documentation. Total projected return: $132,808.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $114 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,255 |
| Total Monthly Debt Service | $2,009 |
| DSCR Ratio | 1.12x |
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 2004
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50154, Mc Callsburg, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 234 (100%) |
| Owner Occupied HU | 175 (74.8%) |
| Renter Occupied HU | 37 (15.8%) |
| Vacant Housing Units | 22 ( 9.4%) |
| Median Home Value | $265,625 |
| Average Home Value | $306,057 |
Housing Distribution
Address Breakdown
Residential
94
Single Family
94
Multi-Family
0
Businesses
4
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 2004
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50154, Mc Callsburg, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 234 (100%) |
| Owner Occupied HU | 175 (74.8%) |
| Renter Occupied HU | 37 (15.8%) |
| Vacant Housing Units | 22 ( 9.4%) |
| Median Home Value | $265,625 |
| Average Home Value | $306,057 |
Housing Distribution
Address Breakdown
Residential
94
Single Family
94
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A