971 W 3rd StDubuqueIA52001
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 971 W 3rd St, Dubuque, IA, 52001 in Dubuque is straightforward: $383,000 in, $2,810/mo in rent, $323/mo out after debt service. The 8.81% gross yield and 1.63 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $105,816 by year five. With $3,527/yr in principal equity, the total cumulative return is projected at $166,543.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.2% |
| Monthly Cash Flow | $323 | $850 |
City averages based on Dubuque market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,810 |
| Total Monthly Debt Service | $2,335 |
| DSCR Ratio | 1.20x |
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 1884
0.32 Acres lot
$N/A/sqft
No 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
Single Family
Built in 1884
0.32 Acres lot
$N/A/sqft
No 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: Kathy Winner • Ruhl & Ruhl Realtors
Mls Name: East Central Iowa AOR
Mls Provider:
Mls ID: #151179
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.