431 S Day AveUteIA51060
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 431 S Day Ave, Ute, IA, 51060 in Ute is straightforward: $132,900 in, $1,065/mo in rent, $202/mo out after debt service. The 9.62% gross yield and 1.78 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $36,718 by year five. With $1,224/yr in principal equity, the total cumulative return is projected at $63,573.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $202 | $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 | $1,065 |
| Total Monthly Debt Service | $810 |
| DSCR Ratio | 1.31x |
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 1920
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51060, Ute, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 281 (100%) |
| Owner Occupied HU | 201 (71.5%) |
| Renter Occupied HU | 47 (16.7%) |
| Vacant Housing Units | 33 (11.7%) |
| Median Home Value | $127,083 |
| Average Home Value | $161,704 |
Housing Distribution
Address Breakdown
Residential
208
Single Family
208
Multi-Family
0
Businesses
15
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 1920
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51060, Ute, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 281 (100%) |
| Owner Occupied HU | 201 (71.5%) |
| Renter Occupied HU | 47 (16.7%) |
| Vacant Housing Units | 33 (11.7%) |
| Median Home Value | $127,083 |
| Average Home Value | $161,704 |
Housing Distribution
Address Breakdown
Residential
208
Single Family
208
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices