Somerset Plan, Bentley RidgeUrbandaleIA50322
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: Somerset Plan, Bentley Ridge, Urbandale, IA, 50322 in Urbandale at $448,000 earns $3,004/mo in rent and nets $94/mo after the $2,014/mo payment, a 8.05% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $123,774 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $4,126/yr in principal paydown, total projected return reaches $176,620.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.8% |
| Monthly Cash Flow | $94 | $450 |
City averages based on Urbandale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,004 |
| Total Monthly Debt Service | $2,731 |
| DSCR Ratio | 1.10x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50322, Urbandale, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,132 (100%) |
| Owner Occupied HU | 9,754 (69.0%) |
| Renter Occupied HU | 3,744 (26.5%) |
| Vacant Housing Units | 634 ( 4.5%) |
| Median Home Value | $284,903 |
| Average Home Value | $302,461 |
Housing Distribution
Address Breakdown
Residential
13,630
Single Family
10,811
Multi-Family
2,819
Businesses
1,407
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50322, Urbandale, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,132 (100%) |
| Owner Occupied HU | 9,754 (69.0%) |
| Renter Occupied HU | 3,744 (26.5%) |
| Vacant Housing Units | 634 ( 4.5%) |
| Median Home Value | $284,903 |
| Average Home Value | $302,461 |
Housing Distribution
Address Breakdown
Residential
13,630
Single Family
10,811
Multi-Family
2,819
Businesses
1,407
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
