1302 Ash StWhitewoodSD57793
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1302 Ash St, Whitewood, SD, 57793 in Whitewood at $299,000 earns $1,956/mo in rent and nets $66/mo after the $1,344/mo payment, a 7.85% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $82,608 over five years. Ziffy Mortgage underwrites this on a 1.46 DSCR without U.S. credit history. With $2,754/yr in principal paydown, total projected return reaches $117,852.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $66 | $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 | $1,956 |
| Total Monthly Debt Service | $1,771 |
| DSCR Ratio | 1.10x |
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 1959
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57793, Whitewood, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 981 (100%) |
| Owner Occupied HU | 743 (75.7%) |
| Renter Occupied HU | 173 (17.6%) |
| Vacant Housing Units | 65 ( 6.6%) |
| Median Home Value | $428,195 |
| Average Home Value | $478,213 |
Housing Distribution
Address Breakdown
Residential
766
Single Family
766
Multi-Family
0
Businesses
63
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 1959
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57793, Whitewood, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 981 (100%) |
| Owner Occupied HU | 743 (75.7%) |
| Renter Occupied HU | 173 (17.6%) |
| Vacant Housing Units | 65 ( 6.6%) |
| Median Home Value | $428,195 |
| Average Home Value | $478,213 |
Housing Distribution
Address Breakdown
Residential
766
Single Family
766
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michaela Anderson • Real Broker Spearfish
Mls Name: Mount Rushmore Area AOR
Mls Provider:
Mls ID: #84069
Disclaimer: The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Mount Rushmore Area Association of REALTORS Multiple Listing Service. Real estate listings held by brokerage firms other than Zillow Inc. are marked with the Broker Reciprocity logo or the Broker Reciprocity thumbnail logo (a little black house) and detailed information about them includes the name of the listing brokers. The broker(s) providing this data believes it to be correct, but advises interested parties to confirm the data before relying on it in a purchase decision. Copyright 2025 Mount Rushmore Area Association of REALTORS®., Inc. Multiple Listing Service. All rights reserved