4901 SW 12th StDes MoinesIA50315
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4901 SW 12th St, Des Moines, IA, 50315 in Des Moines at $199,999 earns $1,453/mo in rent and nets $154/mo after the $899/mo payment, a 8.72% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $55,256 over five years. Ziffy Mortgage underwrites this on a 1.62 DSCR without U.S. credit history. With $1,842/yr in principal paydown, total projected return reaches $86,026.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.5% |
| Monthly Cash Flow | $154 | $450 |
City averages based on Des Moines 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 | $1,453 |
| Total Monthly Debt Service | $1,219 |
| DSCR Ratio | 1.19x |
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 1951
7,710 sqft lot
$N/A/sqft
No 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 1951
7,710 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: DMMLS
Mls Provider:
Mls ID: #746812