520 E 3rd StWest LibertyIA52776
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 520 E 3rd St, West Liberty, IA, 52776 in West Liberty speaks for itself: 16.26% gross on a $121,500 price, generating $1,646/mo in rent and $771/mo in net income after the $546/mo debt service. DSCR 3.01, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,250 stacks alongside $33,568 in projected five-year appreciation and $1,119/yr in principal reduction. Projected total cumulative return: $96,261.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.3% | 5.0% |
| Monthly Cash Flow | $771 | $250 |
City averages based on West Liberty market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,646 |
| Total Monthly Debt Service | $827 |
| DSCR Ratio | 1.99x |
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 1906
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52776, West Liberty, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,881 (100%) |
| Owner Occupied HU | 1,210 (64.3%) |
| Renter Occupied HU | 518 (27.5%) |
| Vacant Housing Units | 153 ( 8.1%) |
| Median Home Value | $206,771 |
| Average Home Value | $241,777 |
Housing Distribution
Address Breakdown
Residential
1,834
Single Family
1,671
Multi-Family
163
Businesses
149
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 1906
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52776, West Liberty, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,881 (100%) |
| Owner Occupied HU | 1,210 (64.3%) |
| Renter Occupied HU | 518 (27.5%) |
| Vacant Housing Units | 153 ( 8.1%) |
| Median Home Value | $206,771 |
| Average Home Value | $241,777 |
Housing Distribution
Address Breakdown
Residential
1,834
Single Family
1,671
Multi-Family
163
Businesses
149
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices