210 E Center StWinfieldIA52659
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 210 E Center St, Winfield, IA, 52659 in Winfield at $134,900 earns $1,050/mo in rent and nets $174/mo after the $607/mo payment, a 9.34% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $37,270 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $1,242/yr in principal paydown, total projected return reaches $62,550.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $174 | $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 | $1,050 |
| Total Monthly Debt Service | $822 |
| DSCR Ratio | 1.28x |
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
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52659, Winfield, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 689 (100%) |
| Owner Occupied HU | 450 (65.3%) |
| Renter Occupied HU | 157 (22.8%) |
| Vacant Housing Units | 82 (11.9%) |
| Median Home Value | $126,563 |
| Average Home Value | $219,211 |
Housing Distribution
Address Breakdown
Residential
522
Single Family
522
Multi-Family
0
Businesses
37
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
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52659, Winfield, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 689 (100%) |
| Owner Occupied HU | 450 (65.3%) |
| Renter Occupied HU | 157 (22.8%) |
| Vacant Housing Units | 82 (11.9%) |
| Median Home Value | $126,563 |
| Average Home Value | $219,211 |
Housing Distribution
Address Breakdown
Residential
522
Single Family
522
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices