104 Milwaukee StUticaSD57067
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 104 Milwaukee St, Utica, SD, 57067 in Utica is narrow, $54/mo net on $1,147/mo rent after the $778/mo debt service, but the property operates at break-even-plus, not a loss. At $173,000 with a 7.96% yield, the long-run equity case via 5% appreciation ($47,797 over five years) and $1,593/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.47 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $69,181.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $54 | $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 | $1,147 |
| Total Monthly Debt Service | $1,024 |
| DSCR Ratio | 1.12x |
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.
Manufactured
Built in 2022
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57067, Utica, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 220 (100%) |
| Owner Occupied HU | 154 (70.0%) |
| Renter Occupied HU | 24 (10.9%) |
| Vacant Housing Units | 42 (19.1%) |
| Median Home Value | $351,724 |
| Average Home Value | $419,740 |
Housing Distribution
Address Breakdown
Residential
133
Single Family
133
Multi-Family
0
Businesses
2
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
Manufactured
Built in 2022
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57067, Utica, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 220 (100%) |
| Owner Occupied HU | 154 (70.0%) |
| Renter Occupied HU | 24 (10.9%) |
| Vacant Housing Units | 42 (19.1%) |
| Median Home Value | $351,724 |
| Average Home Value | $419,740 |
Housing Distribution
Address Breakdown
Residential
133
Single Family
133
Multi-Family
0
Businesses
2
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kerry Trimble-Woehl • The Move Group
Mls Name: Meridian AOR
Mls ID: #116923