710th AveAlbiaIA52531
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 710th Ave, Albia, IA, 52531 in Albia. Rental yield 4.3%. At $352,625 with 4.3% gross yield, current distributions are modest, but the 5% appreciation rate projects $97,424 in new equity by year five, complemented by $3,248/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.80) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $68,117.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.0% |
| Monthly Cash Flow | $(1,027) | $300 |
City averages based on Albia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,264 |
| Total Monthly Debt Service | $2,150 |
| DSCR Ratio | 0.59x |
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 N/A
65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52531, Albia, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,708 (100%) |
| Owner Occupied HU | 1,795 (66.3%) |
| Renter Occupied HU | 630 (23.3%) |
| Vacant Housing Units | 283 (10.5%) |
| Median Home Value | $163,902 |
| Average Home Value | $231,592 |
Housing Distribution
Address Breakdown
Residential
2,469
Single Family
2,400
Multi-Family
69
Businesses
245
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 N/A
65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52531, Albia, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,708 (100%) |
| Owner Occupied HU | 1,795 (66.3%) |
| Renter Occupied HU | 630 (23.3%) |
| Vacant Housing Units | 283 (10.5%) |
| Median Home Value | $163,902 |
| Average Home Value | $231,592 |
Housing Distribution
Address Breakdown
Residential
2,469
Single Family
2,400
Multi-Family
69
Businesses
245
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices