4470 270th StStocktonIA52769
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4470 270th St, Stockton, IA, 52769 in Stockton. Rental yield 1.55%. At $925,000 with 1.55% gross yield, current distributions are modest, but the 5% appreciation rate projects $255,560 in new equity by year five, complemented by $8,519/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.29) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $42,182.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 6.2% |
| Monthly Cash Flow | $(4,815) | $350 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,193 |
| Total Monthly Debt Service | $5,639 |
| DSCR Ratio | 0.21x |
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 1870
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52769, Stockton, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 288 (100%) |
| Owner Occupied HU | 196 (68.1%) |
| Renter Occupied HU | 54 (18.7%) |
| Vacant Housing Units | 38 (13.2%) |
| Median Home Value | $344,898 |
| Average Home Value | $400,332 |
Housing Distribution
Address Breakdown
Residential
185
Single Family
185
Multi-Family
0
Businesses
8
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 1870
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52769, Stockton, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 288 (100%) |
| Owner Occupied HU | 196 (68.1%) |
| Renter Occupied HU | 54 (18.7%) |
| Vacant Housing Units | 38 (13.2%) |
| Median Home Value | $344,898 |
| Average Home Value | $400,332 |
Housing Distribution
Address Breakdown
Residential
185
Single Family
185
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices