515 River StSabulaIA52070
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.61% gross rental yield, 515 River St, Sabula, IA, 52070 in Sabula is priced for capital growth, not immediate cash flow. The $198,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $54,704 by year five, with $1,824/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.04) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $52,250.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.0% |
| Monthly Cash Flow | $(360) | $300 |
City averages based on Sabula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $926 |
| Total Monthly Debt Service | $1,207 |
| DSCR Ratio | 0.77x |
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 1930
5,009 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52070, Sabula, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 573 (100%) |
| Owner Occupied HU | 391 (68.2%) |
| Renter Occupied HU | 86 (15.0%) |
| Vacant Housing Units | 96 (16.8%) |
| Median Home Value | $198,295 |
| Average Home Value | $267,621 |
Housing Distribution
Address Breakdown
Residential
233
Single Family
233
Multi-Family
0
Businesses
19
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 1930
5,009 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52070, Sabula, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 573 (100%) |
| Owner Occupied HU | 391 (68.2%) |
| Renter Occupied HU | 86 (15.0%) |
| Vacant Housing Units | 96 (16.8%) |
| Median Home Value | $198,295 |
| Average Home Value | $267,621 |
Housing Distribution
Address Breakdown
Residential
233
Single Family
233
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices