521-577 N 4th StWest BranchIA52358
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 521-577 N 4th St, West Branch, IA, 52358 in West Branch worth study. Rental yield 0.81%. The 0.81% gross yield is below cash-flow benchmarks at $1,710,000, but 5% annual appreciation, adding $472,441 over five years, frames this as a capital growth position. Rent of $1,156/mo partially offsets the $7,689/mo payment. Ziffy Mortgage finances appreciation-play properties (0.15 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $10,407.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.8% | 6.0% |
| Monthly Cash Flow | $(9,950) | $300 |
City averages based on West Branch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,156 |
| Total Monthly Debt Service | $10,425 |
| DSCR Ratio | 0.11x |
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.
Multi Family
Built in 2002
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52358, West Branch, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,903 (100%) |
| Owner Occupied HU | 1,433 (75.3%) |
| Renter Occupied HU | 319 (16.8%) |
| Vacant Housing Units | 151 ( 7.9%) |
| Median Home Value | $298,664 |
| Average Home Value | $326,218 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,649
Multi-Family
42
Businesses
110
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
Multi Family
Built in 2002
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52358, West Branch, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,903 (100%) |
| Owner Occupied HU | 1,433 (75.3%) |
| Renter Occupied HU | 319 (16.8%) |
| Vacant Housing Units | 151 ( 7.9%) |
| Median Home Value | $298,664 |
| Average Home Value | $326,218 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,649
Multi-Family
42
Businesses
110
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathy Knoop • Edge Realty Group
Mls Name: Iowa City Area AOR
Mls ID: #202506983