4837 86th St APT 27UrbandaleIA50322
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 4837 86th St APT 27, Urbandale, IA, 50322 in Urbandale achieves a 1.91 ratio at $122,000: $1,102/mo rent versus $578/mo debt service. Rental yield 10.84%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 10.84% yield compounds alongside 5% annual appreciation projecting $33,706 in value. Total projected cumulative return: $64,092.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.8% |
| Monthly Cash Flow | $(189) | $450 |
City averages based on Urbandale market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,102 |
| Total Monthly Debt Service | $774 |
| DSCR Ratio | 1.42x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1985
N/A 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
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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
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Nearby investment properties with comparable prices
