522 N 4th AveEldridgeIA52748
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 522 N 4th Ave, Eldridge, IA, 52748 in Eldridge worth study. Rental yield 2.89%. The 2.89% gross yield is below cash-flow benchmarks at $348,635, but 5% annual appreciation, adding $96,321 over five years, frames this as a capital growth position. Rent of $840/mo partially offsets the $1,568/mo payment. Ziffy Mortgage finances appreciation-play properties (0.54 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $41,031.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.0% |
| Monthly Cash Flow | $(1,424) | $300 |
City averages based on Eldridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $840 |
| Total Monthly Debt Service | $2,125 |
| DSCR Ratio | 0.40x |
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 2026
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52748, Eldridge, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,159 (100%) |
| Owner Occupied HU | 3,016 (72.5%) |
| Renter Occupied HU | 904 (21.7%) |
| Vacant Housing Units | 239 ( 5.7%) |
| Median Home Value | $375,552 |
| Average Home Value | $398,076 |
Housing Distribution
Address Breakdown
Residential
4,062
Single Family
3,554
Multi-Family
508
Businesses
307
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 2026
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52748, Eldridge, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,159 (100%) |
| Owner Occupied HU | 3,016 (72.5%) |
| Renter Occupied HU | 904 (21.7%) |
| Vacant Housing Units | 239 ( 5.7%) |
| Median Home Value | $375,552 |
| Average Home Value | $398,076 |
Housing Distribution
Address Breakdown
Residential
4,062
Single Family
3,554
Multi-Family
508
Businesses
307
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices