840 Juniper AveKelloggIA50135
INVESTMENT ANALYSIS
Investment Verdict
Solid Income840 Juniper Ave, Kellogg, IA, 50135 in Kellogg earns a respectable 8.37% gross yield at $315,000, but after the $1,416/mo mortgage the net cash flow is $153/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.55) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $87,029 over five years, making equity the dominant return driver. Total projected return: $129,682.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $153 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,198 |
| Total Monthly Debt Service | $1,920 |
| DSCR Ratio | 1.14x |
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 1967
0.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50135, Kellogg, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 770 (100%) |
| Owner Occupied HU | 567 (73.6%) |
| Renter Occupied HU | 101 (13.1%) |
| Vacant Housing Units | 102 (13.2%) |
| Median Home Value | $214,722 |
| Average Home Value | $239,881 |
Housing Distribution
Address Breakdown
Residential
629
Single Family
626
Multi-Family
3
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
Single Family
Built in 1967
0.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50135, Kellogg, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 770 (100%) |
| Owner Occupied HU | 567 (73.6%) |
| Renter Occupied HU | 101 (13.1%) |
| Vacant Housing Units | 102 (13.2%) |
| Median Home Value | $214,722 |
| Average Home Value | $239,881 |
Housing Distribution
Address Breakdown
Residential
629
Single Family
626
Multi-Family
3
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices