12598 396th AveBathSD57427
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing12598 396th Ave, Bath, SD, 57427 in Bath is a stable, well-positioned rental at $399,900. Rental yield 6.88%. DSCR 1.31 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $110,485 in value and $3,683/yr in principal paydown builds equity, a total projected return of $140,581.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.2% |
| Monthly Cash Flow | $(234) | $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 | $2,351 |
| Total Monthly Debt Service | $2,368 |
| DSCR Ratio | 0.99x |
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 1926
10.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57427, Bath, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 252 (100%) |
| Owner Occupied HU | 206 (81.7%) |
| Renter Occupied HU | 19 ( 7.5%) |
| Vacant Housing Units | 27 (10.7%) |
| Median Home Value | $358,209 |
| Average Home Value | $438,641 |
Housing Distribution
Address Breakdown
Residential
196
Single Family
196
Multi-Family
0
Businesses
11
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 1926
10.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57427, Bath, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 252 (100%) |
| Owner Occupied HU | 206 (81.7%) |
| Renter Occupied HU | 19 ( 7.5%) |
| Vacant Housing Units | 27 (10.7%) |
| Median Home Value | $358,209 |
| Average Home Value | $438,641 |
Housing Distribution
Address Breakdown
Residential
196
Single Family
196
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lorna Johnston, CRS, GRI, ABR, E-Pro, C2EX • Century 21 Investment Realtors
Mls Name: Aberdeen MLS
Mls Provider:
Mls ID: #25-231
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.