4401 Ross RdAmesIA50014
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.57% yield at 4401 Ross Rd, Ames, IA, 50014 in Ames is solid, but the $1,191/mo payment compresses net cash flow to $172/mo at $264,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $73,187 by year five, and $2,440/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.59) without U.S. income documentation. Total projected return: $111,898.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.8% |
| Monthly Cash Flow | $172 | $450 |
City averages based on Ames market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,892 |
| Total Monthly Debt Service | $1,615 |
| DSCR Ratio | 1.17x |
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 1964
8,712 sqft lot
$N/A/sqft
No HOA
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 1964
8,712 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices