414 E 4th StSaint AnsgarIA50472
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 414 E 4th St, Saint Ansgar, IA, 50472 in Saint Ansgar earns a 9.48% gross yield at $225,000. Rent of $1,777/mo nets $316/mo after the $1,012/mo mortgage. The 1.76 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $62,163 and $2,072/yr in equity accumulation project a total cumulative return of $105,912.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $316 | $250 |
City averages based on Saint Ansgar market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,777 |
| Total Monthly Debt Service | $1,372 |
| DSCR Ratio | 1.30x |
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 1887
0.33 Acres lot
$N/A/sqft
No HOA
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 1887
0.33 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Pollard • Main Realty
Mls Name: Northeast Iowa Regional BOR
Mls ID: #20254498