715 Warren StDuncombeIA50532
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 715 Warren St, Duncombe, IA, 50532 in Duncombe is narrow, $124/mo net on $839/mo rent after the $495/mo debt service, but the property operates at break-even-plus, not a loss. At $110,000 with a 9.15% yield, the long-run equity case via 5% appreciation ($30,391 over five years) and $1,013/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $49,849.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.0% |
| Monthly Cash Flow | $124 | $300 |
City averages based on Duncombe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $839 |
| Total Monthly Debt Service | $671 |
| DSCR Ratio | 1.25x |
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.
Multi Family
Built in 1950
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50532, Duncombe, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 402 (100%) |
| Owner Occupied HU | 284 (70.6%) |
| Renter Occupied HU | 61 (15.2%) |
| Vacant Housing Units | 57 (14.2%) |
| Median Home Value | $305,224 |
| Average Home Value | $282,139 |
Housing Distribution
Address Breakdown
Residential
260
Single Family
260
Multi-Family
0
Businesses
23
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
Multi Family
Built in 1950
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50532, Duncombe, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 402 (100%) |
| Owner Occupied HU | 284 (70.6%) |
| Renter Occupied HU | 61 (15.2%) |
| Vacant Housing Units | 57 (14.2%) |
| Median Home Value | $305,224 |
| Average Home Value | $282,139 |
Housing Distribution
Address Breakdown
Residential
260
Single Family
260
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices