410 W Main StSaint CharlesIA50240
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 410 W Main St, Saint Charles, IA, 50240 in Saint Charles the bet is firmly on appreciation. Rental yield 0%. The 0% gross yield on a $126,200 price is below income-first thresholds, but 5%/yr value growth projects $34,867 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (3.36) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $116,033.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 6.0% |
| Monthly Cash Flow | $0 | $150 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,905 |
| Total Monthly Debt Service | $801 |
| DSCR Ratio | 2.38x |
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 1912
8,319 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50240, Saint Charles, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 921 (100%) |
| Owner Occupied HU | 771 (83.7%) |
| Renter Occupied HU | 100 (10.9%) |
| Vacant Housing Units | 50 ( 5.4%) |
| Median Home Value | $294,792 |
| Average Home Value | $384,351 |
Housing Distribution
Address Breakdown
Residential
912
Single Family
912
Multi-Family
0
Businesses
41
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 1912
8,319 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50240, Saint Charles, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 921 (100%) |
| Owner Occupied HU | 771 (83.7%) |
| Renter Occupied HU | 100 (10.9%) |
| Vacant Housing Units | 50 ( 5.4%) |
| Median Home Value | $294,792 |
| Average Home Value | $384,351 |
Housing Distribution
Address Breakdown
Residential
912
Single Family
912
Multi-Family
0
Businesses
41
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