437 4th AveAshtonIA51232
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 437 4th Ave, Ashton, IA, 51232 in Ashton aligned with their strategy. Rental yield 6.27%. DSCR 1.16 and 6.27% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $1,833/yr in paydown build toward a projected cumulative return of $59,418.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 7.0% |
| Monthly Cash Flow | $(253) | $300 |
City averages based on Ashton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,039 |
| Total Monthly Debt Service | $1,213 |
| DSCR Ratio | 0.86x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1924
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51232, Ashton, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 376 (100%) |
| Owner Occupied HU | 305 (81.1%) |
| Renter Occupied HU | 38 (10.1%) |
| Vacant Housing Units | 33 ( 8.8%) |
| Median Home Value | $117,819 |
| Average Home Value | $178,418 |
Housing Distribution
Address Breakdown
Residential
229
Single Family
229
Multi-Family
0
Businesses
13
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 1924
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51232, Ashton, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 376 (100%) |
| Owner Occupied HU | 305 (81.1%) |
| Renter Occupied HU | 38 (10.1%) |
| Vacant Housing Units | 33 ( 8.8%) |
| Median Home Value | $117,819 |
| Average Home Value | $178,418 |
Housing Distribution
Address Breakdown
Residential
229
Single Family
229
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices