410 S Commerce StMonroeIA50170
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Monroe rental at 410 S Commerce St, Monroe, IA, 50170 sits in the solid-income band: 10.55% gross yield, $1,538/mo rent, $402/mo net after the $787/mo debt service, DSCR 1.95. Entry price of $175,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $48,349 and $1,612/yr in principal reduction bring total cumulative return to $92,421.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.2% |
| Monthly Cash Flow | $402 | $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 | $1,538 |
| Total Monthly Debt Service | $1,067 |
| DSCR Ratio | 1.44x |
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
7,919 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50170, Monroe, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,218 (100%) |
| Owner Occupied HU | 954 (78.3%) |
| Renter Occupied HU | 204 (16.7%) |
| Vacant Housing Units | 60 ( 4.9%) |
| Median Home Value | $234,234 |
| Average Home Value | $274,903 |
Housing Distribution
Address Breakdown
Residential
738
Single Family
738
Multi-Family
0
Businesses
66
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
7,919 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50170, Monroe, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,218 (100%) |
| Owner Occupied HU | 954 (78.3%) |
| Renter Occupied HU | 204 (16.7%) |
| Vacant Housing Units | 60 ( 4.9%) |
| Median Home Value | $234,234 |
| Average Home Value | $274,903 |
Housing Distribution
Address Breakdown
Residential
738
Single Family
738
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices