8115 Kelsey LnIowaLA70647
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Iowa rental at 8115 Kelsey Ln, Iowa, LA, 70647 sits in the solid-income band: 8.9% gross yield, $1,765/mo rent, $291/mo net after the $1,070/mo debt service, DSCR 1.65. Entry price of $238,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $65,755 and $2,192/yr in principal reduction bring total cumulative return to $108,993.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.0% |
| Monthly Cash Flow | $291 | $300 |
City averages based on Iowa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,765 |
| Total Monthly Debt Service | $1,380 |
| DSCR Ratio | 1.28x |
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 2025
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70647, Iowa, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,224 (100%) |
| Owner Occupied HU | 3,758 (71.9%) |
| Renter Occupied HU | 1,004 (19.2%) |
| Vacant Housing Units | 462 ( 8.8%) |
| Median Home Value | $250,967 |
| Average Home Value | $270,254 |
Housing Distribution
Address Breakdown
Residential
4,558
Single Family
4,553
Multi-Family
5
Businesses
143
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 2025
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70647, Iowa, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,224 (100%) |
| Owner Occupied HU | 3,758 (71.9%) |
| Renter Occupied HU | 1,004 (19.2%) |
| Vacant Housing Units | 462 ( 8.8%) |
| Median Home Value | $250,967 |
| Average Home Value | $270,254 |
Housing Distribution
Address Breakdown
Residential
4,558
Single Family
4,553
Multi-Family
5
Businesses
143
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices