712 4th Ave NWPocahontasIA50574
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 712 4th Ave NW, Pocahontas, IA, 50574 in Pocahontas at $224,900, 4.48% gross yield, is a market-growth asset. Rental yield 4.48%. The $840/mo rent partially funds the $1,011/mo debt service; the core return is the 5%/yr price growth projected to add $62,136 over five years. Ziffy Mortgage's DSCR mortgage (0.83) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $45,699.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 7.0% |
| Monthly Cash Flow | $(621) | $300 |
City averages based on Pocahontas market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $840 |
| Total Monthly Debt Service | $1,371 |
| DSCR Ratio | 0.61x |
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 1969
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50574, Pocahontas, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,142 (100%) |
| Owner Occupied HU | 769 (67.3%) |
| Renter Occupied HU | 223 (19.5%) |
| Vacant Housing Units | 150 (13.1%) |
| Median Home Value | $129,435 |
| Average Home Value | $202,058 |
Housing Distribution
Address Breakdown
Residential
1,019
Single Family
964
Multi-Family
55
Businesses
139
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 1969
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50574, Pocahontas, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,142 (100%) |
| Owner Occupied HU | 769 (67.3%) |
| Renter Occupied HU | 223 (19.5%) |
| Vacant Housing Units | 150 (13.1%) |
| Median Home Value | $129,435 |
| Average Home Value | $202,058 |
Housing Distribution
Address Breakdown
Residential
1,019
Single Family
964
Multi-Family
55
Businesses
139
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Richard Winegarden • Winegarden Auctioneering
Mls Name: NoCoast MLS
Mls ID: #6327321