401 Miller StSouth EnglishIA52335
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 401 Miller St, South English, IA, 52335 in South English. At $139,900 it earns $1,116/mo in rent and distributes $207/mo to the owner after the $629/mo payment, a consistent 9.57% yield. DSCR 1.77 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $38,652 in value; $1,288/yr in principal paydown compounds ownership stake. Total projected return: $66,628.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.0% |
| Monthly Cash Flow | $207 | $250 |
City averages based on South English market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,116 |
| Total Monthly Debt Service | $853 |
| DSCR Ratio | 1.31x |
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.
Manufactured
Built in 1999
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52335, South English, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 278 (100%) |
| Owner Occupied HU | 198 (71.2%) |
| Renter Occupied HU | 42 (15.1%) |
| Vacant Housing Units | 38 (13.7%) |
| Median Home Value | $125,000 |
| Average Home Value | $193,119 |
Housing Distribution
Address Breakdown
Residential
227
Single Family
223
Multi-Family
4
Businesses
14
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
Manufactured
Built in 1999
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52335, South English, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 278 (100%) |
| Owner Occupied HU | 198 (71.2%) |
| Renter Occupied HU | 42 (15.1%) |
| Vacant Housing Units | 38 (13.7%) |
| Median Home Value | $125,000 |
| Average Home Value | $193,119 |
Housing Distribution
Address Breakdown
Residential
227
Single Family
223
Multi-Family
4
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Iowa City Area AOR
Mls ID: #202601544