300 N Fillmore StOsceolaIA50213
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 300 N Fillmore St, Osceola, IA, 50213 in Osceola at $146,850 earns $1,120/mo in rent and nets $166/mo after the $660/mo payment, a 9.15% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $40,572 over five years. Ziffy Mortgage underwrites this on a 1.70 DSCR without U.S. credit history. With $1,353/yr in principal paydown, total projected return reaches $66,654.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $166 | $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 | $1,120 |
| Total Monthly Debt Service | $895 |
| DSCR Ratio | 1.25x |
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 1920
5,183 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50213, Osceola, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,300 (100%) |
| Owner Occupied HU | 1,927 (58.4%) |
| Renter Occupied HU | 1,073 (32.5%) |
| Vacant Housing Units | 300 ( 9.1%) |
| Median Home Value | $158,356 |
| Average Home Value | $224,796 |
Housing Distribution
Address Breakdown
Residential
3,005
Single Family
2,799
Multi-Family
206
Businesses
259
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 1920
5,183 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 50213, Osceola, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,300 (100%) |
| Owner Occupied HU | 1,927 (58.4%) |
| Renter Occupied HU | 1,073 (32.5%) |
| Vacant Housing Units | 300 ( 9.1%) |
| Median Home Value | $158,356 |
| Average Home Value | $224,796 |
Housing Distribution
Address Breakdown
Residential
3,005
Single Family
2,799
Multi-Family
206
Businesses
259
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices