516 4th StBuffaloIA52728
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 516 4th St, Buffalo, IA, 52728 in Buffalo. Priced at $245,000, it generates $2,259/mo in gross rent and $610/mo in net monthly cash flow, a 10.68% yield that comfortably supports the 2.05 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,321. Five-year appreciation: $67,689. Equity from principal paydown: $2,256/yr. Total projected cumulative return: $136,180.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.0% |
| Monthly Cash Flow | $610 | $500 |
City averages based on Buffalo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,259 |
| Total Monthly Debt Service | $1,494 |
| DSCR Ratio | 1.51x |
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 1967
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52728, Buffalo, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 329 (84.1%) |
| Renter Occupied HU | 31 ( 7.9%) |
| Vacant Housing Units | 31 ( 7.9%) |
| Median Home Value | $312,385 |
| Average Home Value | $358,488 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
43
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 1967
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52728, Buffalo, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 329 (84.1%) |
| Renter Occupied HU | 31 ( 7.9%) |
| Vacant Housing Units | 31 ( 7.9%) |
| Median Home Value | $312,385 |
| Average Home Value | $358,488 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices