605 Williams StVictorIA52347
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 605 Williams St, Victor, IA, 52347 in Victor: $1,841/mo in rent, $413/mo in net income, 10.05% gross yield, 1.86 DSCR, all at $219,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $60,754 in appreciation and $2,025/yr in principal paydown projects total cumulative return of $110,273.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $413 | $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 | $1,841 |
| Total Monthly Debt Service | $1,341 |
| DSCR Ratio | 1.37x |
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 1906
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52347, Victor, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 616 (100%) |
| Owner Occupied HU | 452 (73.4%) |
| Renter Occupied HU | 115 (18.7%) |
| Vacant Housing Units | 49 ( 8.0%) |
| Median Home Value | $146,324 |
| Average Home Value | $241,444 |
Housing Distribution
Address Breakdown
Residential
355
Single Family
340
Multi-Family
15
Businesses
61
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 1906
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52347, Victor, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 616 (100%) |
| Owner Occupied HU | 452 (73.4%) |
| Renter Occupied HU | 115 (18.7%) |
| Vacant Housing Units | 49 ( 8.0%) |
| Median Home Value | $146,324 |
| Average Home Value | $241,444 |
Housing Distribution
Address Breakdown
Residential
355
Single Family
340
Multi-Family
15
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices