206 Thomas StDanburyIA51019
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 206 Thomas St, Danbury, IA, 51019 in Danbury: $1,110/mo in rent, $201/mo in net income, 9.51% gross yield, 1.76 DSCR, all at $140,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $38,679 in appreciation and $1,289/yr in principal paydown projects total cumulative return of $66,168.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $201 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,110 |
| Total Monthly Debt Service | $854 |
| DSCR Ratio | 1.30x |
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 1900
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51019, Danbury, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 347 (100%) |
| Owner Occupied HU | 247 (71.2%) |
| Renter Occupied HU | 56 (16.1%) |
| Vacant Housing Units | 44 (12.7%) |
| Median Home Value | $122,246 |
| Average Home Value | $195,840 |
Housing Distribution
Address Breakdown
Residential
184
Single Family
184
Multi-Family
0
Businesses
15
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 1900
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 51019, Danbury, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 347 (100%) |
| Owner Occupied HU | 247 (71.2%) |
| Renter Occupied HU | 56 (16.1%) |
| Vacant Housing Units | 44 (12.7%) |
| Median Home Value | $122,246 |
| Average Home Value | $195,840 |
Housing Distribution
Address Breakdown
Residential
184
Single Family
184
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices