705 W 4th StSaint AnsgarIA50472
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.7% yield at 705 W 4th St, Saint Ansgar, IA, 50472 in Saint Ansgar is solid, but the $940/mo payment compresses net cash flow to $158/mo at $209,000. 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 $57,743 by year five, and $1,925/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.61) without U.S. income documentation. Total projected return: $89,750.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.0% |
| Monthly Cash Flow | $158 | $250 |
City averages based on Saint Ansgar market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,516 |
| Total Monthly Debt Service | $1,274 |
| DSCR Ratio | 1.19x |
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.
Townhouse
Built in 1981
6,534 sqft lot
$N/A/sqft
No HOA
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
Townhouse
Built in 1981
6,534 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Pollard • Main Realty
Mls Name: Northeast Iowa Regional BOR
Mls ID: #20255417