923 Commercial StLisbonIA52253
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 923 Commercial St, Lisbon, IA, 52253 in Lisbon. Rental yield 3.31%. At $330,000 with 3.31% gross yield, current distributions are modest, but the 5% appreciation rate projects $91,173 in new equity by year five, complemented by $3,039/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.61) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $46,203.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 6.2% |
| Monthly Cash Flow | $(1,234) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $910 |
| Total Monthly Debt Service | $2,012 |
| DSCR Ratio | 0.45x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2018
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52253, Lisbon, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,333 (100%) |
| Owner Occupied HU | 1,055 (79.1%) |
| Renter Occupied HU | 221 (16.6%) |
| Vacant Housing Units | 57 ( 4.3%) |
| Median Home Value | $256,926 |
| Average Home Value | $307,066 |
Housing Distribution
Address Breakdown
Residential
1,159
Single Family
1,159
Multi-Family
0
Businesses
77
Nearby investment properties with comparable rents
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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 2018
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52253, Lisbon, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,333 (100%) |
| Owner Occupied HU | 1,055 (79.1%) |
| Renter Occupied HU | 221 (16.6%) |
| Vacant Housing Units | 57 ( 4.3%) |
| Median Home Value | $256,926 |
| Average Home Value | $307,066 |
Housing Distribution
Address Breakdown
Residential
1,159
Single Family
1,159
Multi-Family
0
Businesses
77
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices