4725 Everest AveAmesIA50014
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 4725 Everest Ave, Ames, IA, 50014 in Ames the bet is firmly on appreciation. Rental yield 4.3%. The 4.3% gross yield on a $718,248 price is below income-first thresholds, but 5%/yr value growth projects $198,439 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.80) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $137,910.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.8% |
| Monthly Cash Flow | $(2,105) | $450 |
City averages based on Ames market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,576 |
| Total Monthly Debt Service | $4,396 |
| DSCR Ratio | 0.59x |
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 2024
9,583 sqft lot
$N/A/sqft
$200 annually 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 2024
9,583 sqft lot
$N/A/sqft
$200 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Livingston • Hunziker & Assoc.-Ames
Mls Name: CIBR
Mls Provider:
Mls ID: #65280
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.