100 NE 2nd StHardinMO64035
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $139,000, 100 NE 2nd St, Hardin, MO, 64035 in Hardin generates $1,020/mo in rent (8.81% yield) but nets only $154/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.63) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $38,403. Total projected return: $62,684.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $154 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,020 |
| Total Monthly Debt Service | $810 |
| DSCR Ratio | 1.26x |
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 1963
1,655 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64035, Hardin, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 411 (100%) |
| Owner Occupied HU | 296 (72.0%) |
| Renter Occupied HU | 72 (17.5%) |
| Vacant Housing Units | 43 (10.5%) |
| Median Home Value | $156,250 |
| Average Home Value | $218,243 |
Housing Distribution
Address Breakdown
Residential
325
Single Family
325
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 1963
1,655 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64035, Hardin, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 411 (100%) |
| Owner Occupied HU | 296 (72.0%) |
| Renter Occupied HU | 72 (17.5%) |
| Vacant Housing Units | 43 (10.5%) |
| Median Home Value | $156,250 |
| Average Home Value | $218,243 |
Housing Distribution
Address Breakdown
Residential
325
Single Family
325
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices