440 Commons DrCarlisleIA50047
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow440 Commons Dr, Carlisle, IA, 50047 in Carlisle earns its strong cash-flow label: 10.39% yield, $2,821/mo rent, $684/mo net income, DSCR 1.93. The $325,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $90,040 by year five. Combined with $3,002/yr in principal paydown, total projected return reaches $168,133.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 7.0% |
| Monthly Cash Flow | $684 | $400 |
City averages based on Carlisle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,821 |
| Total Monthly Debt Service | $2,008 |
| DSCR Ratio | 1.41x |
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 2024
3,898 sqft lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50047, Carlisle, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,598 (100%) |
| Owner Occupied HU | 2,023 (77.9%) |
| Renter Occupied HU | 419 (16.1%) |
| Vacant Housing Units | 156 ( 6.0%) |
| Median Home Value | $240,355 |
| Average Home Value | $278,827 |
Housing Distribution
Address Breakdown
Residential
2,431
Single Family
2,339
Multi-Family
92
Businesses
159
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 2024
3,898 sqft lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50047, Carlisle, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,598 (100%) |
| Owner Occupied HU | 2,023 (77.9%) |
| Renter Occupied HU | 419 (16.1%) |
| Vacant Housing Units | 156 ( 6.0%) |
| Median Home Value | $240,355 |
| Average Home Value | $278,827 |
Housing Distribution
Address Breakdown
Residential
2,431
Single Family
2,339
Multi-Family
92
Businesses
159
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices