641 N 4th StMissouri ValleyIA51555
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 641 N 4th St, Missouri Valley, IA, 51555 in Missouri Valley delivers $2,161/mo in gross rent and $343/mo in net monthly income at a $280,000 entry. The 9.26% yield and 1.72 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $77,359 over five years and $2,579/yr in equity from loan paydown, total projected return is $128,593.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $343 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,161 |
| Total Monthly Debt Service | $1,707 |
| DSCR Ratio | 1.27x |
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 1974
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51555, Missouri Valley, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,321 (100%) |
| Owner Occupied HU | 1,516 (65.3%) |
| Renter Occupied HU | 545 (23.5%) |
| Vacant Housing Units | 260 (11.2%) |
| Median Home Value | $212,994 |
| Average Home Value | $253,318 |
Housing Distribution
Address Breakdown
Residential
2,194
Single Family
2,097
Multi-Family
97
Businesses
177
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 1974
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51555, Missouri Valley, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,321 (100%) |
| Owner Occupied HU | 1,516 (65.3%) |
| Renter Occupied HU | 545 (23.5%) |
| Vacant Housing Units | 260 (11.2%) |
| Median Home Value | $212,994 |
| Average Home Value | $253,318 |
Housing Distribution
Address Breakdown
Residential
2,194
Single Family
2,097
Multi-Family
97
Businesses
177
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Fonda Story • United Country Loess Hills Realty & Auction
Mls Name: SWIAR
Mls ID: #25-1486
Disclaimer: Copyright Southwest Iowa Association of Realtors. All rights reserved. Data is deemed reliable but is not guaranteed accurate by the MLS.