927 Main StHoly CrossIA52053
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow927 Main St, Holy Cross, IA, 52053 in Holy Cross earns its strong cash-flow label: 11.94% yield, $2,288/mo rent, $795/mo net income, DSCR 2.21. The $230,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $63,545 by year five. Combined with $2,118/yr in principal paydown, total projected return reaches $138,646.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.2% |
| Monthly Cash Flow | $795 | $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 | $2,288 |
| Total Monthly Debt Service | $1,402 |
| DSCR Ratio | 1.63x |
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 1975
4,466 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52053, Holy Cross, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 469 (100%) |
| Owner Occupied HU | 354 (75.5%) |
| Renter Occupied HU | 67 (14.3%) |
| Vacant Housing Units | 48 (10.2%) |
| Median Home Value | $290,278 |
| Average Home Value | $355,374 |
Housing Distribution
Address Breakdown
Residential
392
Single Family
392
Multi-Family
0
Businesses
19
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 1975
4,466 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 52053, Holy Cross, IA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 469 (100%) |
| Owner Occupied HU | 354 (75.5%) |
| Renter Occupied HU | 67 (14.3%) |
| Vacant Housing Units | 48 (10.2%) |
| Median Home Value | $290,278 |
| Average Home Value | $355,374 |
Housing Distribution
Address Breakdown
Residential
392
Single Family
392
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: East Central Iowa AOR
Mls ID: #154104