LOT 59 59 Whisper Woods LnDubuqueIA52003
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. Rental yield 1.64%. LOT 59 59 Whisper Woods Ln, Dubuque, IA, 52003 in Dubuque at $1,095,000, 1.64% gross yield, is a market-growth asset. The $1,500/mo rent partially funds the $4,924/mo debt service; the core return is the 5%/yr price growth projected to add $302,528 over five years. Ziffy Mortgage's DSCR mortgage (0.30) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $49,525.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 5.2% |
| Monthly Cash Flow | $(5,711) | $850 |
City averages based on Dubuque market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,500 |
| Total Monthly Debt Service | $6,776 |
| DSCR Ratio | 0.22x |
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.
Single Family
Built in 2025
0.34 Acres lot
$N/A/sqft
$1,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52003, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,282 (100%) |
| Owner Occupied HU | 5,062 (80.6%) |
| Renter Occupied HU | 823 (13.1%) |
| Vacant Housing Units | 397 ( 6.3%) |
| Median Home Value | $305,716 |
| Average Home Value | $344,051 |
Housing Distribution
Address Breakdown
Residential
6,184
Single Family
5,671
Multi-Family
513
Businesses
528
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 2025
0.34 Acres lot
$N/A/sqft
$1,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52003, Dubuque, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,282 (100%) |
| Owner Occupied HU | 5,062 (80.6%) |
| Renter Occupied HU | 823 (13.1%) |
| Vacant Housing Units | 397 ( 6.3%) |
| Median Home Value | $305,716 |
| Average Home Value | $344,051 |
Housing Distribution
Address Breakdown
Residential
6,184
Single Family
5,671
Multi-Family
513
Businesses
528
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Aaron Healey • Ruhl & Ruhl Realtors
Mls Name: East Central Iowa AOR
Mls Provider:
Mls ID: #151527
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.