705 Adams StCumberlandIA50843
INVESTMENT ANALYSIS
Investment Verdict
Solid Income705 Adams St, Cumberland, IA, 50843 in Cumberland is a solid income-producing rental, 9.58% gross yield, $1,078/mo rent, $201/mo net cash flow on a $135,000 buy. DSCR 1.78 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $37,298 and $1,243/yr in principal reduction project a total cumulative return of $64,322.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.0% |
| Monthly Cash Flow | $201 | $200 |
City averages based on Cumberland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,078 |
| Total Monthly Debt Service | $823 |
| DSCR Ratio | 1.31x |
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 1951
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50843, Cumberland, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 272 (100%) |
| Owner Occupied HU | 190 (69.9%) |
| Renter Occupied HU | 45 (16.5%) |
| Vacant Housing Units | 37 (13.6%) |
| Median Home Value | $212,963 |
| Average Home Value | $320,816 |
Housing Distribution
Address Breakdown
Residential
227
Single Family
227
Multi-Family
0
Businesses
13
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 1951
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50843, Cumberland, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 272 (100%) |
| Owner Occupied HU | 190 (69.9%) |
| Renter Occupied HU | 45 (16.5%) |
| Vacant Housing Units | 37 (13.6%) |
| Median Home Value | $212,963 |
| Average Home Value | $320,816 |
Housing Distribution
Address Breakdown
Residential
227
Single Family
227
Multi-Family
0
Businesses
13
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