12227 Miles Cooper CtSturgisSD57785
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 12227 Miles Cooper Ct, Sturgis, SD, 57785 in Sturgis fits: $1,199,000, 5.08% gross yield, and a projected 5% annual appreciation rate adding $331,262 in value within five years. Rental yield 5.08%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.94) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $11,043/yr in principal paydown and $331,262 in appreciation project a total return of $294,492.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.8% |
| Monthly Cash Flow | $(2,500) | $450 |
City averages based on Sturgis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,077 |
| Total Monthly Debt Service | $7,100 |
| DSCR Ratio | 0.72x |
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 2025
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57785, Sturgis, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,258 (100%) |
| Owner Occupied HU | 3,225 (61.3%) |
| Renter Occupied HU | 1,384 (26.3%) |
| Vacant Housing Units | 649 (12.3%) |
| Median Home Value | $320,252 |
| Average Home Value | $346,612 |
Housing Distribution
Address Breakdown
Residential
4,645
Single Family
4,210
Multi-Family
435
Businesses
509
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 2025
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57785, Sturgis, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,258 (100%) |
| Owner Occupied HU | 3,225 (61.3%) |
| Renter Occupied HU | 1,384 (26.3%) |
| Vacant Housing Units | 649 (12.3%) |
| Median Home Value | $320,252 |
| Average Home Value | $346,612 |
Housing Distribution
Address Breakdown
Residential
4,645
Single Family
4,210
Multi-Family
435
Businesses
509
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Mount Rushmore Area AOR
Mls ID: #87491