405 James Blvd #5OxfordIA52322
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 405 James Blvd #5, Oxford, IA, 52322 in Oxford is narrow, $23/mo net on $751/mo rent after the $450/mo debt service, but the property operates at break-even-plus, not a loss. At $100,000 with a 9.16% yield, the long-run equity case via 5% appreciation ($27,628 over five years) and $921/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.67 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $39,161.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $23 | $400 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $751 |
| Total Monthly Debt Service | $701 |
| DSCR Ratio | 1.07x |
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.
Condo
Built in 2005
N/A lot
$N/A/sqft
$75 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52322, Oxford, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,040 (100%) |
| Owner Occupied HU | 832 (80.0%) |
| Renter Occupied HU | 140 (13.5%) |
| Vacant Housing Units | 68 ( 6.5%) |
| Median Home Value | $421,986 |
| Average Home Value | $509,781 |
Housing Distribution
Address Breakdown
Residential
793
Single Family
706
Multi-Family
87
Businesses
46
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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
Condo
Built in 2005
N/A lot
$N/A/sqft
$75 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52322, Oxford, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,040 (100%) |
| Owner Occupied HU | 832 (80.0%) |
| Renter Occupied HU | 140 (13.5%) |
| Vacant Housing Units | 68 ( 6.5%) |
| Median Home Value | $421,986 |
| Average Home Value | $509,781 |
Housing Distribution
Address Breakdown
Residential
793
Single Family
706
Multi-Family
87
Businesses
46
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
Listed by: Travis Hiatt • NextHome Beyond
Mls Name: CRAAR, CDRMLS
Mls Provider:
Mls ID: #2504243
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.