556 Chester Ave, Ottumwa, IA 52501

4 bd · 2 ba · 1,866 sqft · built 1900 · Ottumwa · SINGLE_FAMILY·source listing ↗

$79,900

rent, three ways

OnePercent model (vv1)$2,456/mo

wide honest range — HUD/comp anchors · $320–$2,456

HUD Fair Market Rent · 52501 · 4BR$1,470/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Wapello

Flood risk indexRelatively High FEMA NRI

Median household income$63,426

Median area rent$926/mo

Median home value$122,700

the verdict

3.07%⚠vs 1.0% target

Unverified — model rent disagrees with HUD/comps

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

$79,900

3.07% · unverified

Intrinsic value · income approach

$267,889

70% 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.