54974 Eads RdPacific JunctionIA51561
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.92% yield at 54974 Eads Rd, Pacific Junction, IA, 51561 in Pacific Junction is solid, but the $989/mo payment compresses net cash flow to $106/mo at $219,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $60,754 by year five, and $2,025/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.65) without U.S. income documentation. Total projected return: $96,953.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 7.5% |
| Monthly Cash Flow | $106 | $300 |
City averages based on Pacific Junction market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,634 |
| Total Monthly Debt Service | $1,341 |
| DSCR Ratio | 1.22x |
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 1979
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51561, Pacific Junction, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 591 (100%) |
| Owner Occupied HU | 390 (66.0%) |
| Renter Occupied HU | 47 ( 8.0%) |
| Vacant Housing Units | 154 (26.1%) |
| Median Home Value | $362,832 |
| Average Home Value | $429,487 |
Housing Distribution
Address Breakdown
Residential
417
Single Family
417
Multi-Family
0
Businesses
20
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 1979
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51561, Pacific Junction, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 591 (100%) |
| Owner Occupied HU | 390 (66.0%) |
| Renter Occupied HU | 47 ( 8.0%) |
| Vacant Housing Units | 154 (26.1%) |
| Median Home Value | $362,832 |
| Average Home Value | $429,487 |
Housing Distribution
Address Breakdown
Residential
417
Single Family
417
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A