4508 77th StUrbandaleIA50322
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderMost investment properties struggle to clear the 1.25x DSCR minimum. 4508 77th St, Urbandale, IA, 50322 in Urbandale clears it at 1.65, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 7.3%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $96,284; $3,210/yr in principal equity; total projected return: $153,738.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.8% |
| Monthly Cash Flow | $(150) | $450 |
City averages based on Urbandale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,591 |
| Total Monthly Debt Service | $2,125 |
| DSCR Ratio | 1.22x |
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 1979
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50322, Urbandale, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,132 (100%) |
| Owner Occupied HU | 9,754 (69.0%) |
| Renter Occupied HU | 3,744 (26.5%) |
| Vacant Housing Units | 634 ( 4.5%) |
| Median Home Value | $284,903 |
| Average Home Value | $302,461 |
Housing Distribution
Address Breakdown
Residential
13,630
Single Family
10,811
Multi-Family
2,819
Businesses
1,407
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 1979
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50322, Urbandale, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,132 (100%) |
| Owner Occupied HU | 9,754 (69.0%) |
| Renter Occupied HU | 3,744 (26.5%) |
| Vacant Housing Units | 634 ( 4.5%) |
| Median Home Value | $284,903 |
| Average Home Value | $302,461 |
Housing Distribution
Address Breakdown
Residential
13,630
Single Family
10,811
Multi-Family
2,819
Businesses
1,407
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anna Kempe • Keller Williams Ames
Mls Name: CIBR
Mls Provider:
Mls ID: #67449
Disclaimer: Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but not accurate.