856 Stone Ridge PlDubuqueIA52001
INVESTMENT ANALYSIS
Investment Verdict
Solid Income856 Stone Ridge Pl, Dubuque, IA, 52001 in Dubuque earns a respectable 9.07% gross yield at $182,900, but after the $822/mo mortgage the net cash flow is $46/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.73) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $50,532 over five years, making equity the dominant return driver. Total projected return: $75,708.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.2% |
| Monthly Cash Flow | $46 | $850 |
City averages based on Dubuque market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,420 |
| Total Monthly Debt Service | $1,263 |
| DSCR Ratio | 1.12x |
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.
Condo
Built in 1976
1,344 sqft lot
$N/A/sqft
$1,780 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52001, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,155 (100%) |
| Owner Occupied HU | 10,834 (53.8%) |
| Renter Occupied HU | 7,535 (37.4%) |
| Vacant Housing Units | 1,786 ( 8.9%) |
| Median Home Value | $190,357 |
| Average Home Value | $240,723 |
Housing Distribution
Address Breakdown
Residential
18,543
Single Family
15,356
Multi-Family
3,187
Businesses
1,069
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
Condo
Built in 1976
1,344 sqft lot
$N/A/sqft
$1,780 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52001, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,155 (100%) |
| Owner Occupied HU | 10,834 (53.8%) |
| Renter Occupied HU | 7,535 (37.4%) |
| Vacant Housing Units | 1,786 ( 8.9%) |
| Median Home Value | $190,357 |
| Average Home Value | $240,723 |
Housing Distribution
Address Breakdown
Residential
18,543
Single Family
15,356
Multi-Family
3,187
Businesses
1,069
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brian Lammers • Remax Advantage
Mls Name: East Central Iowa AOR
Mls Provider:
Mls ID: #151767
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.