906 W 18th StVintonIA52349
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 906 W 18th St, Vinton, IA, 52349 in Vinton at $173,500 earns $1,261/mo in rent and nets $134/mo after the $780/mo payment, a 8.72% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $47,935 over five years. Ziffy Mortgage underwrites this on a 1.62 DSCR without U.S. credit history. With $1,598/yr in principal paydown, total projected return reaches $74,697.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.0% |
| Monthly Cash Flow | $134 | $150 |
City averages based on Vinton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,261 |
| Total Monthly Debt Service | $1,058 |
| DSCR Ratio | 1.19x |
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 1980
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52349, Vinton, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,319 (100%) |
| Owner Occupied HU | 2,371 (71.4%) |
| Renter Occupied HU | 692 (20.8%) |
| Vacant Housing Units | 256 ( 7.7%) |
| Median Home Value | $230,357 |
| Average Home Value | $266,685 |
Housing Distribution
Address Breakdown
Residential
3,182
Single Family
2,956
Multi-Family
226
Businesses
337
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 1980
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52349, Vinton, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,319 (100%) |
| Owner Occupied HU | 2,371 (71.4%) |
| Renter Occupied HU | 692 (20.8%) |
| Vacant Housing Units | 256 ( 7.7%) |
| Median Home Value | $230,357 |
| Average Home Value | $266,685 |
Housing Distribution
Address Breakdown
Residential
3,182
Single Family
2,956
Multi-Family
226
Businesses
337
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jordyn Edwards • Century 21 Signature Real Estate
Mls Name: CRAAR, CDRMLS
Mls Provider:
Mls ID: #2503428
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.