116 Adams StCentraliaMO65240
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 116 Adams St, Centralia, MO, 65240 in Centralia, $148,000, 9.01% gross yield, $189/mo net income. Consider it a market-entry position, the $1,111/mo rent covers the $666/mo payment with a margin, and 5%/yr appreciation is projected to add $40,890 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.67) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $68,315.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $189 | $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 | $1,111 |
| Total Monthly Debt Service | $863 |
| DSCR Ratio | 1.29x |
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 1971
9,360 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65240, Centralia, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,431 (100%) |
| Owner Occupied HU | 2,557 (74.5%) |
| Renter Occupied HU | 699 (20.4%) |
| Vacant Housing Units | 175 ( 5.1%) |
| Median Home Value | $195,056 |
| Average Home Value | $239,248 |
Housing Distribution
Address Breakdown
Residential
3,333
Single Family
3,333
Multi-Family
0
Businesses
205
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 1971
9,360 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65240, Centralia, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,431 (100%) |
| Owner Occupied HU | 2,557 (74.5%) |
| Renter Occupied HU | 699 (20.4%) |
| Vacant Housing Units | 175 ( 5.1%) |
| Median Home Value | $195,056 |
| Average Home Value | $239,248 |
Housing Distribution
Address Breakdown
Residential
3,333
Single Family
3,333
Multi-Family
0
Businesses
205
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
