12134 State Hwy DThornfieldMO65762
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 12134 State Hwy D, Thornfield, MO, 65762 in Thornfield. Rental yield 2.58%. At $495,000 with 2.58% gross yield, current distributions are modest, but the 5% appreciation rate projects $136,759 in new equity by year five, complemented by $4,559/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.48) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $57,857.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.2% |
| Monthly Cash Flow | $(2,018) | $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 | $1,064 |
| Total Monthly Debt Service | $2,886 |
| DSCR Ratio | 0.37x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65762, Thornfield, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 271 (100%) |
| Owner Occupied HU | 160 (59.0%) |
| Renter Occupied HU | 32 (11.8%) |
| Vacant Housing Units | 79 (29.2%) |
| Median Home Value | $243,333 |
| Average Home Value | $313,844 |
Housing Distribution
Address Breakdown
Residential
177
Single Family
177
Multi-Family
0
Businesses
6
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 2026
13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65762, Thornfield, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 271 (100%) |
| Owner Occupied HU | 160 (59.0%) |
| Renter Occupied HU | 32 (11.8%) |
| Vacant Housing Units | 79 (29.2%) |
| Median Home Value | $243,333 |
| Average Home Value | $313,844 |
Housing Distribution
Address Breakdown
Residential
177
Single Family
177
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SOMOMLS
Mls ID: #60317385