1226 Harmony StCape GirardeauMO63701
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1226 Harmony St, Cape Girardeau, MO, 63701 in Cape Girardeau. Priced at $173,000, it generates $1,815/mo in gross rent and $738/mo in net monthly cash flow, a 12.59% yield that comfortably supports the 2.33 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,851. Five-year appreciation: $47,797. Equity from principal paydown: $1,593/yr. Total projected cumulative return: $113,125.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 6.2% |
| Monthly Cash Flow | $738 | $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 | $1,815 |
| Total Monthly Debt Service | $1,009 |
| DSCR Ratio | 1.80x |
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.
Multi Family
Built in 1942
3,267 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63701, Cape Girardeau, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,731 (100%) |
| Owner Occupied HU | 9,874 (55.7%) |
| Renter Occupied HU | 6,319 (35.6%) |
| Vacant Housing Units | 1,538 ( 8.7%) |
| Median Home Value | $256,250 |
| Average Home Value | $305,672 |
Housing Distribution
Address Breakdown
Residential
16,356
Single Family
15,573
Multi-Family
783
Businesses
1,015
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
Multi Family
Built in 1942
3,267 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63701, Cape Girardeau, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,731 (100%) |
| Owner Occupied HU | 9,874 (55.7%) |
| Renter Occupied HU | 6,319 (35.6%) |
| Vacant Housing Units | 1,538 ( 8.7%) |
| Median Home Value | $256,250 |
| Average Home Value | $305,672 |
Housing Distribution
Address Breakdown
Residential
16,356
Single Family
15,573
Multi-Family
783
Businesses
1,015
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jacob M Fish • EDGE Realty ERA Powered
Mls Name: MARIS
Mls ID: #25082630