416 Union StRyanIA52330
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 416 Union St, Ryan, IA, 52330 in Ryan at $179,000 earns $1,301/mo in rent and nets $138/mo after the $805/mo payment, a 8.72% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $49,454 over five years. Ziffy Mortgage underwrites this on a 1.62 DSCR without U.S. credit history. With $1,649/yr in principal paydown, total projected return reaches $77,043.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $138 | $400 |
City averages based on Ryan market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,301 |
| Total Monthly Debt Service | $1,091 |
| DSCR Ratio | 1.19x |
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
8,058 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52330, Ryan, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 340 (100%) |
| Owner Occupied HU | 259 (76.2%) |
| Renter Occupied HU | 56 (16.5%) |
| Vacant Housing Units | 25 ( 7.4%) |
| Median Home Value | $191,827 |
| Average Home Value | $279,884 |
Housing Distribution
Address Breakdown
Residential
178
Single Family
178
Multi-Family
0
Businesses
16
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
8,058 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52330, Ryan, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 340 (100%) |
| Owner Occupied HU | 259 (76.2%) |
| Renter Occupied HU | 56 (16.5%) |
| Vacant Housing Units | 25 ( 7.4%) |
| Median Home Value | $191,827 |
| Average Home Value | $279,884 |
Housing Distribution
Address Breakdown
Residential
178
Single Family
178
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices