416 Willow StAureliaIA51005
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 416 Willow St, Aurelia, IA, 51005 in Aurelia is narrow, $15/mo net on $1,541/mo rent after the $1,056/mo debt service, but the property operates at break-even-plus, not a loss. At $234,900 with a 7.87% yield, the long-run equity case via 5% appreciation ($64,899 over five years) and $2,163/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $90,443.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $15 | $300 |
City averages based on Aurelia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,541 |
| Total Monthly Debt Service | $1,432 |
| DSCR Ratio | 1.08x |
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 1955
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51005, Aurelia, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 658 (100%) |
| Owner Occupied HU | 497 (75.5%) |
| Renter Occupied HU | 94 (14.3%) |
| Vacant Housing Units | 67 (10.2%) |
| Median Home Value | $163,500 |
| Average Home Value | $199,628 |
Housing Distribution
Address Breakdown
Residential
204
Single Family
204
Multi-Family
0
Businesses
36
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 1955
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51005, Aurelia, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 658 (100%) |
| Owner Occupied HU | 497 (75.5%) |
| Renter Occupied HU | 94 (14.3%) |
| Vacant Housing Units | 67 (10.2%) |
| Median Home Value | $163,500 |
| Average Home Value | $199,628 |
Housing Distribution
Address Breakdown
Residential
204
Single Family
204
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices