406 4th StDeep RiverIA52222
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 406 4th St, Deep River, IA, 52222 in Deep River: $1,330/mo in rent, $388/mo in net income, 11% gross yield, 2.04 DSCR, all at $145,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $40,061 in appreciation and $1,335/yr in principal paydown projects total cumulative return of $80,170.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.0% |
| Monthly Cash Flow | $388 | $300 |
City averages based on Deep River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,330 |
| Total Monthly Debt Service | $884 |
| DSCR Ratio | 1.50x |
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 1921
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52222, Deep River, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 294 (100%) |
| Owner Occupied HU | 214 (72.8%) |
| Renter Occupied HU | 43 (14.6%) |
| Vacant Housing Units | 37 (12.6%) |
| Median Home Value | $175,000 |
| Average Home Value | $285,117 |
Housing Distribution
Address Breakdown
Residential
174
Single Family
174
Multi-Family
0
Businesses
9
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 1921
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52222, Deep River, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 294 (100%) |
| Owner Occupied HU | 214 (72.8%) |
| Renter Occupied HU | 43 (14.6%) |
| Vacant Housing Units | 37 (12.6%) |
| Median Home Value | $175,000 |
| Average Home Value | $285,117 |
Housing Distribution
Address Breakdown
Residential
174
Single Family
174
Multi-Family
0
Businesses
9
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: #202602174