Which residence halls are designated for first-year students at St. Ambrose University?
Franklin Hall and Cosgrove Hall are devoted to first-year students.
Open the sourced answer →SOURCED HOUSING ANSWERS
St. Ambrose housing questions, answered
Direct answers for parents, students, buyers and renters. The answer comes first; sources and freshness are shown on the exact-answer page.
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Parent
What housing amounts are shown for Franklin Hall and Cosgrove Hall?
The retained table shows paired amounts of $4,248 and $8,496 for Franklin Hall, and $3,702 and $7,404 for Cosgrove Hall. The column headings and applicable academic year were not captured in this source observation; confirm the billing period with Residential Life.
Open the sourced answer →How does an enrolled first-year student apply for housing?
After enrollment, the student uses the student portal to access, complete, and submit the housing application.
Open the sourced answer →Must a full-time freshman live on campus?
Yes. Full-time freshmen must live on campus until completing two years of post-high-school study at SAU or another accredited higher-education institution.
Open the sourced answer →What geographic exception does SAU list to the freshman residency requirement?
A student residing with a parent or legal guardian within a 30-mile radius of campus is listed as an exception.
Open the sourced answer →What timing-related exception does SAU list for the freshman residency requirement?
Students who began college more than one year after high-school graduation may qualify for a residency-requirement waiver.
Open the sourced answer →Who may qualify for limited summer housing?
Limited summer housing is available for students in specific summer programs, internships, or with extenuating circumstances, subject to university policies.
Open the sourced answer →What amenities does SAU list for summer housing?
Summer housing lists free monitored parking, utilities, fast Wi-Fi, and a Summer Housing Assistant in each hall who conducts nightly security rounds and plans events.
Open the sourced answer →Which students can request a roommate or suitemate?
The retained upperclassmen housing source says freshmen are assigned by the university, while upperclassmen may request roommates or suitemates. Requests must be mutual and remain subject to availability and other placement factors.
Open the sourced answer →How are roommates matched when no specific roommate is requested?
SAU says the housing team considers application preferences, lifestyle habits, interests, and study preferences to seek compatible matches.
Open the sourced answer →What upperclass housing types does SAU list?
The page lists Bechtel, Tiedemann, Hagen, North, McCarthy, and Rohlman Halls, plus campus townhouses.
Open the sourced answer →What does Tiedemann Hall offer?
Tiedemann has four-person apartments for 124 preferred-housing students; units have two bedrooms, a living area, full-size kitchen, and bathroom.
Open the sourced answer →What does Hagen Hall offer?
Hagen has four- and six-person apartments with single bedrooms for 140 juniors and seniors; each apartment has a living area, kitchen, and bathroom.
Open the sourced answer →What is the capacity and layout of McCarthy Hall?
McCarthy is an apartment-style building for 96 preferred-housing students; apartments generally have four students in two bedrooms, living area, kitchen, and bath, with some two-person one-bedroom units.
Open the sourced answer →What is Rohlman Hall like?
Rohlman is a traditional dorm with capacity for 202 students; units have double-occupancy bedrooms with a private bath and shower in each suite, plus floor study and social lounges.
Open the sourced answer →What are the campus townhouse capacity and features?
SAU lists four two-story townhouse buildings for preferred-housing students; each holds eight students and has a kitchen, living area, four double bedrooms, and two bathrooms, for a total capacity of 104.
Open the sourced answer →What semester prices does SAU list for Bechtel, Rohlman, and Hagen?
Bechtel is $5,283 per semester, Rohlman is $4,248, and Hagen is $5,283.
Open the sourced answer →What does the seven-meals-per-week plan cost?
The retained meal-plan table lists seven meals per week plus $255 Buzz Bucks for $2,101. The effective billing term was not captured; confirm the current price and charge period rather than treating it as a verified semester charge.
Open the sourced answer →What does the 19-meals-per-week plan cost?
The retained meal-plan table lists 19 meals per week plus $200 Buzz Bucks for $2,948. The effective billing term was not captured; confirm the current price and charge period rather than treating it as a verified semester charge.
Open the sourced answer →How can students add Buzz Bucks, and where are they accepted?
Buzz Bucks can be loaded at the Sodexo office with cash, check, or credit card, or by calling Cosgrove; they are accepted at the Rogalski Food Court and Beehive coffeehouse.
Open the sourced answer →Can a student transfer unused meals to a guest or receive a refund?
No. SAU says meal plans are not transferable and unused meals are not refundable; Buzz Bucks can be used for guest meals at Cosgrove.
Open the sourced answer →Does the residence chosen determine the meal plan?
No. SAU says meal plans are available regardless of whether a student lives in residence halls, townhouses, or campus houses.
Open the sourced answer →What safety and maintenance support does SAU advertise for campus housing?
Campus housing lists 24/7 security, weekly housekeeping, resident assistants on each floor, and well-lit pathways with 24/7 security patrols.
Open the sourced answer →What do RAs and HAs do, and where is Residence Life located?
RAs and HAs live in the halls, assist with problems, lead floor activities, and build community under professional Area Coordinators; Residence Life is in the Rogalski Center second floor.
Open the sourced answer →Which housing-related disability accommodations does SAU identify?
ADS identifies housing, accessible parking, food service, and support animals as non-academic accommodation areas; documentation is required for consideration and approval.
Open the sourced answer →Investor
Must rental income generally be reported for a school-area investment property?
IRS Publication 527 says rental income generally must be reported; personal-use and below-market rental situations have additional rules.
Open the sourced answer →When is advance rent reported?
Publication 527 says advance rent is included in rental income in the year received, regardless of the period covered or accounting method.
Open the sourced answer →How does the IRS treat a tenant payment to cancel a lease?
The IRS treats a lease-cancellation payment as rent included in rental income in the year received.
Open the sourced answer →What if a tenant pays a landlord expense and deducts it from rent?
The landlord generally includes the tenant-paid amount in rental income and may deduct the underlying expense if it qualifies as a rental expense.
Open the sourced answer →How is rent received as services or property treated?
The IRS says to include the fair market value of property or services received as rental income.
Open the sourced answer →Is a refundable security deposit automatically rental income?
The IRS says not to include a deposit in income on receipt if it is intended to be returned at the end of the lease.
Open the sourced answer →When may a retained security deposit become rental income?
The IRS says to include an amount retained because a tenant did not fulfill lease terms in income for the year retained.
Open the sourced answer →How does partial ownership affect rental income reporting?
Publication 527 says an owner of a part interest reports their part of the rental income.
Open the sourced answer →Which common rental operating expenses does IRS Publication 527 discuss?
The publication identifies maintenance, insurance, taxes and interest as common rental expenses, subject to applicable deductibility rules.
Open the sourced answer →What if a property is used both personally and as a rental?
The IRS says to divide expenses between rental and personal use; rental expense deductions may be limited.
Open the sourced answer →How does partial ownership affect expense deductions?
A part owner may deduct expenses paid according to the owner’s percentage of ownership, as explained in Publication 527.
Open the sourced answer →Can ordinary expenses continue while a rental is vacant?
Publication 527 says ordinary and necessary expenses may be deducted for managing, conserving and maintaining rental property while it is vacant, if it is held for rent.
Open the sourced answer →Can a cash-basis landlord deduct rent never collected?
Publication 527 says cash-basis taxpayers generally cannot deduct uncollected rent because it was not included in income.
Open the sourced answer →Are all property improvements immediately deductible?
Publication 527 distinguishes repairs from improvements. Costs that improve the property generally must be recovered through depreciation rather than simply deducted as repairs, subject to applicable exceptions.
Open the sourced answer →When does depreciation begin for a rental property?
Publication 527 says depreciation begins when the property is placed in service, meaning ready and available for its specific rental use; purchase alone does not establish that date.
Open the sourced answer →Do Davenport properties rented near St. Ambrose or Palmer need a rental license?
The City says all Davenport rental property must be licensed.
Open the sourced answer →What annual rental-license fee range does Davenport publish?
The City licensing page lists$30–$60 per year based on inspection cycle; inspection fees may be additional.
Open the sourced answer →What consequence does Davenport list for failure to register rental property?
The City page lists a$500 fine, a citation and placement on an annual inspection cycle.
Open the sourced answer →Does Davenport require landlord training?
The City says owners and/or managers must complete its Landlord Education Assistance Program training at least once for all property owned or managed.
Open the sourced answer →What process does Davenport describe before issuing a new rental license?
The owner applies, completes required training, and a staff member schedules the initial inspection; the license is issued after application and inspection approval.
Open the sourced answer →How does Davenport renew existing rental licenses?
The City says an invoice is sent to property owners annually for license renewal.
Open the sourced answer →How should Davenport rental-license contact or manager changes be reported?
The City asks owners to email changed information and include the rental-license number or property address.
Open the sourced answer →What property-maintenance framework does Davenport link for rental housing?
The landlord-resource page points to City Code Chapter 8.15, says it adopts the 2015 International Property Maintenance Code, and explains that general property maintenance and building rules also apply.
Open the sourced answer →What residential rental security-deposit ceiling is stated in Iowa Code 562 A.12?
The 2026 published code section prohibits demanding or receiving more than two months’ rent as a security deposit.
Open the sourced answer →What deposit accounting period is stated in Iowa Code 562 A.12?
The published section generally requires return or a written statement of specific withholding reasons within 30 days after tenancy ends and the landlord receives the tenant’s mailing address or delivery instructions.
Open the sourced answer →Financing
How does CFPB define debt-to-income ratio?
Add monthly debt payments and divide by gross monthly income.
Open the sourced answer →What example DTI does CFPB give?
CFPB’s example uses $2,000 of monthly debt and $6,000 of gross monthly income, producing a 33% DTI.
Open the sourced answer →What does CFPB say loan type affects?
CFPB says loan type affects the required down payment, total loan cost including interest and mortgage insurance, and borrowing/house-price range.
Open the sourced answer →What does CFPB say about conventional loans?
CFPB describes conventional loans as the majority of loans; they typically cost less than FHA loans but can be harder to get.
Open the sourced answer →What does CFPB say about FHA loans?
CFPB says FHA loans have low down payments and are available to borrowers with lower credit scores.
Open the sourced answer →Who does CFPB identify as eligible for VA loans?
CFPB identifies veterans, servicemembers, and surviving spouses as the relevant borrower group.
Open the sourced answer →Who does CFPB identify for USDA loans?
CFPB describes USDA loans as for low- to middle-income borrowers in rural areas.
Open the sourced answer →How do 15- and 30-year terms differ?
CFPB says a shorter term generally means a higher monthly payment but less interest over the life of the loan; its comparison includes 15- and 30-year terms.
Open the sourced answer →What is the key fixed-rate versus ARM distinction?
CFPB says the choice affects whether the interest rate and monthly principal-and-interest payment can change.
Open the sourced answer →When is mortgage insurance typically required?
CFPB says borrowers making a down payment of less than 20% typically need mortgage insurance.
Open the sourced answer →What does CFPB say “estimated cash to close” includes?
CFPB says Estimated Cash to Close includes the down payment and closing costs, minus any deposit already paid to the seller, seller credits, and other adjustments.
Open the sourced answer →What assumptions underlie CFPB’s rate comparison examples?
The examples assume a $400,000 primary residence, 10% down, a 700 credit score, a conventional 30-year fixed loan, specified discount points, and a 60-day rate lock.
Open the sourced answer →What does CFPB say a higher down payment generally does?
CFPB says it typically lowers the interest rate and reduces the loan amount, lowering borrowing costs.
Open the sourced answer →What tradeoff does CFPB identify for a 15-year mortgage?
CFPB says a shorter term generally has a lower rate and higher monthly payment, while more of the payment builds equity and less goes to interest.
Open the sourced answer →What does a mortgage interest rate represent?
CFPB defines it as the annual cost of borrowing expressed as a percentage; it does not include fees or other charges.
Open the sourced answer →Who may use Iowa FirstHome financing when buying a primary residence near St. Ambrose or Palmer?
FirstHome generally requires no ownership of a primary residence during the last three years; eligible military members or buyers in a targeted area may qualify under exceptions. The lender verifies eligibility.
Open the sourced answer →Does Iowa FirstHome finance a property used solely as a student rental investment?
The published program requires the buyer to occupy the home as a primary residence within 60 days of closing. It should not be represented as financing for a solely non-owner-occupied student investment.
Open the sourced answer →What purchase and term restrictions does Iowa FirstHome list?
The program is for new purchases, excludes refinances, and offers 25- or 30-year terms.
Open the sourced answer →What minimum credit score does the Iowa FirstHome page publish?
The program lists a minimum 640 credit score, with non-traditional credit documentation allowed for borrowers without a credit score under applicable agency rules. Program minima do not guarantee approval.
Open the sourced answer →Does Iowa FirstHome require homebuyer education?
The official program page says homebuyer education is required for all borrowers.
Open the sourced answer →What FirstHome assistance options are published as of October 15,2026?
The official page lists either a $2,500 grant or a second loan of up to 5% of the lower of sale price or appraised value; they cannot be combined. It warns that assistance changes take effect November 2,2026, so lenders must confirm terms for the closing date.
Open the sourced answer →When is repayment due on the currently published Iowa assistance second loan?
The page says repayment is due when the home is sold, refinanced, or the first mortgage is paid in full. No monthly payments are required and subordination is not permitted. A dated notice announces changes effective November 2,2026.
Open the sourced answer →Can repeat purchasers apply for Homes for Iowans when relocating to Davenport?
The page says Homes for Iowans is available to first-time and repeat buyers purchasing a primary residence in Iowa, with occupancy required within 60 days of closing and lender verification of current limits.
Open the sourced answer →How did the 2026 Iowa homestead tax legislation change the property tax benefit?
Iowa Revenue says SF 2472 replaced the homestead credit with an exemption of 10% of taxable homestead value, minimum$5,500 and maximum$20,000 in taxable value for assessment year 2026. This is a reduction of taxable value, not a dollar-for-dollar tax saving.
Open the sourced answer →When does Iowa say the 2026 homestead exemption change affects payable property taxes?
The department says the change is retroactive to assessment year 2026 and applies to taxes payable in September 2027 and March 2028. This timing matters when estimating escrow and ownership costs.
Open the sourced answer →Out-of-State
What city and state should an out-of-state student plan around?
St. Ambrose University is in Davenport, Iowa.
Open the sourced answer →What official mailing address and main phone does SAU publish?
SAU lists 518 W. Locust St., Davenport, IA 52803 and 563-333-6000; it also lists 800-383-2627.
Open the sourced answer →Does SAU offer airport pickup for international arrivals?
International Student Services says it will arrange free airport pickup from Quad City International Airport (MLI) in Moline, Illinois.
Open the sourced answer →How far from SAU does the university place Quad City International Airport?
SAU describes MLI in Moline, Illinois, as about 20 minutes from SAU.
Open the sourced answer →What does SAU say about arriving via Chicago?
Students can fly to Chicago and use a shuttle service to campus at their own expense; SAU directs them to ACT II Transportation for arrangements.
Open the sourced answer →What parking rule applies to an international student driving to campus?
An international student may park in any campus lot until classes begin; once classes start, a student parking permit is required and parking is limited to student lots.
Open the sourced answer →How can a student ride Davenport city buses without buying a separate pass?
The student ID card is a free bus pass on any city bus.
Open the sourced answer →What does Zone 3 parking offer?
Zone 3 is free off campus at the St. Vincent Athletics Complex, about four blocks north; on-demand transportation to and from it is free via Campus Security.
Open the sourced answer →When can a prospective student schedule a campus visit?
SAU says visit scheduling allows a date between 9:30 a.m. and 3 p.m.
Open the sourced answer →Where is visitor parking available?
Visitor parking is available in lots east of Cosgrove Hall and designated spaces at the Rogalski Center; temporary permits are available from Security in the Rogalski Center second floor.
Open the sourced answer →Which nearby hotel does SAU list in Bettendorf?
SAU lists Cambria Hotel at 5061 Competition Dr., Bettendorf, phone 563-345-1660, with a preferred SAU visitor rate requested when booking.
Open the sourced answer →How does SAU describe the Quad Cities geography?
The Quad Cities are a Mississippi River metropolitan area where Illinois and Iowa meet, including Davenport and Bettendorf in Iowa and Moline and East Moline in Illinois.
Open the sourced answer →Which major interstate routes does SAU mention near the Quad Cities?
SAU says the region is right off Interstate 80 and is also served by interstates 280, 88, and 74.
Open the sourced answer →Which larger metros does SAU say are a few hours away?
SAU names Des Moines, Chicago, St. Louis, and Minneapolis as nearby major metropolitan areas.
Open the sourced answer →What public transportation service does SAU identify in Davenport?
SAU identifies DavenportCitiBus as a public transportation system with routes covering approximately 30 square miles.
Open the sourced answer →When is Student Health Services open?
The office is open 8:00 a.m.–4:30 p.m. Monday through Friday, August 1 through May 31, in the Rogalski Center.
Open the sourced answer →Must domestic students show proof of health insurance?
No. SAU says it does not require proof of health insurance and does not provide student health insurance for domestic students.
Open the sourced answer →What health-insurance rule applies to international students?
SAU requires international students to show current health-insurance coverage each semester.
Open the sourced answer →What should a student do in a life-threatening medical emergency?
Call 911 from a cell phone, or 9-911 from a landline, and report the emergency to Student Health Services at 563-333-6423.
Open the sourced answer →How long does SAU say the international visa process can take?
SAU advises starting early because the visa process can take two days to six months.
Open the sourced answer →What documents does SAU say to prepare for a visa interview?
SAU says to prepare the acceptance letter, transcripts, proof of funding, English proficiency materials, and the I-20 or DS-2019 with required documents.
Open the sourced answer →What international merit scholarship amount does SAU advertise?
International students with outstanding academic records may be eligible for automatic International Merit Scholarships of up to $28,000; no application is needed.
Open the sourced answer →What room-and-board amount does SAU publish for international students?
For fall 2026–spring 2027, SAU lists room and board at $13,300 for both undergraduate and graduate international students.
Open the sourced answer →What housing help does SAU say International Student Services provides?
The office helps international students with housing and college life; SAU directs students to its on-campus housing options, each with different features.
Open the sourced answer →What does SAU charge for its Counseling Center services?
Counseling services have no fees for students; off-campus referrals may involve a cost or insurance co-pay.
Open the sourced answer →Faculty/Staff
Where does SAU say its faculty and staff work?
SAU describes its workplace as a university campus in Davenport, Iowa, where more than 3,200 students earn degrees.
Open the sourced answer →What employee health benefit does SAU advertise?
SAU advertises a competitive health-insurance plan as part of its comprehensive benefits package.
Open the sourced answer →What retirement match does SAU advertise?
SAU advertises up to a 7% matched retirement benefit.
Open the sourced answer →Does SAU list life insurance for employees?
Yes. Life insurance is included in the benefits package described on SAU’s employment page.
Open the sourced answer →Does SAU advertise tuition remission?
Yes. Tuition remission is listed among the employee benefits.
Open the sourced answer →Does SAU list a wellness incentive program?
Yes. A wellness incentive program is listed as part of the comprehensive benefits package.
Open the sourced answer →What leave-related benefit does SAU advertise?
SAU lists generous paid time off among its employee benefits.
Open the sourced answer →What does the Human Resources Office handle?
HR is responsible for employee benefits, employment files, and employee policies.
Open the sourced answer →When is the Human Resources Office open?
HR lists hours of Monday–Friday, 8:00 a.m.–4:30 p.m.
Open the sourced answer →How can faculty and staff contact Human Resources?
HR publishes 563-333-6364 and HumanResources@sau.edu.
Open the sourced answer →Is the Universal Handbook an employment contract?
No. The handbook says it is general guidance and is not a contract of employment.
Open the sourced answer →What employment status does the Universal Handbook state for administrative staff?
It states that administrative staff employees are employed on an at-will basis and may voluntarily end employment or be terminated by the university as described in the handbook.
Open the sourced answer →Are there additional handbooks for faculty and administrative staff?
Yes. The Universal Handbook says additional Faculty and Staff Handbooks contain policies applicable to those groups.
Open the sourced answer →Can SAU revise the Universal Handbook?
The handbook says the university reserves the right to revise it at any time and without advance notice.
Open the sourced answer →What nondiscrimination obligation applies to faculty and staff?
The HR page says all faculty and staff are bound by the university’s Human Rights Policy.
Open the sourced answer →Where does SAU direct applicants for job openings?
SAU links to its job-openings portal at stambroseuniv.applicantlist.com/jobs.
Open the sourced answer →Where does SAU direct students seeking work-study jobs or graduate assistantships?
The employment page links to SAU’s Handshake portal for work-study jobs and graduate assistantships.
Open the sourced answer →What does SAU say about Title IX in the workplace and education?
SAU says Title IX prohibits sex discrimination, including sexual harassment and sexual violence, in all education programs and activities.
Open the sourced answer →How does SAU describe faculty support for students?
SAU says faculty provide guidance beyond coursework, personalized academic advice, career-path support, and involvement in clubs and campus initiatives.
Open the sourced answer →What security coverage does SAU publish for campus?
The Security Department staffs a 24-hour desk and provides 24-hour campus escort services; its listed phone is 563-333-6104.
Open the sourced answer →Can faculty and staff use LiveSafe emergency alerts?
Yes. SAU provides a dedicated LiveSafe download link for faculty/staff and says LiveSafe provides emergency alerts and safety resources.
Open the sourced answer →How are unpaid parking citations handled for faculty and staff?
SAU says unpaid citations are transferred to a student account or deducted from faculty/staff payroll each month.
Open the sourced answer →Can current faculty and staff park in visitor lots during daytime hours?
No. Current students, faculty, and staff may not park in visitor lots Monday–Friday, 7 a.m.–3 p.m., with no exceptions.
Open the sourced answer →What facilities does SAU say support its campus community?
SAU describes classrooms, laboratories, technology centers, spiritual, fine-art, and wellness facilities, and says the campus serves students, faculty, and the wider community.
Open the sourced answer →What workforce-recruitment affiliation does SAU’s HR page mention?
The Human Resources Office says it is a member of the Central Midwest HERC and seeks to recruit and retain a diverse, talented workforce.
Open the sourced answer →