4425 Plumberry RdElyIA52227
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 4425 Plumberry Rd, Ely, IA, 52227 in Ely. Rental yield 6.24%. The 1.16 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $193,369 and $6,446/yr in principal reduction project total return of $206,057.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 6.5% |
| Monthly Cash Flow | $(939) | $300 |
City averages based on Ely market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,640 |
| Total Monthly Debt Service | $4,300 |
| DSCR Ratio | 0.85x |
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 2002
2.79 Acres lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52227, Ely, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,232 (100%) |
| Owner Occupied HU | 996 (80.8%) |
| Renter Occupied HU | 175 (14.2%) |
| Vacant Housing Units | 61 ( 5.0%) |
| Median Home Value | $348,160 |
| Average Home Value | $409,026 |
Housing Distribution
Address Breakdown
Residential
1,063
Single Family
996
Multi-Family
67
Businesses
51
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 2002
2.79 Acres lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52227, Ely, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,232 (100%) |
| Owner Occupied HU | 996 (80.8%) |
| Renter Occupied HU | 175 (14.2%) |
| Vacant Housing Units | 61 ( 5.0%) |
| Median Home Value | $348,160 |
| Average Home Value | $409,026 |
Housing Distribution
Address Breakdown
Residential
1,063
Single Family
996
Multi-Family
67
Businesses
51
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices