1146 Kern St, Waterloo, IA 50703

3 bd · 1.5 ba · 1,058 sqft · built 1914 · Waterloo · SINGLE_FAMILY·source listing ↗

$99,900

rent, three ways

OnePercent model (vv1)$1,754/mo

p10–p90 confidence band

HUD Fair Market Rent · 50703 · 3BR

$1,370/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Black Hawk

Flood risk indexRelatively Moderate FEMA NRI

Median household income$50,060

Median area rent$952/mo

Median home value$95,900

the verdict

1.76%vs 1.0% target

financing: 20% down · — (FRED, live) · 30yr

$99,900

1.76% · rent $1,754

Intrinsic value · income approach

$132,763

25% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.