1310 N College StWest PlainsMO65775
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1310 N College St, West Plains, MO, 65775 in West Plains at $116,800 earns $880/mo in rent and nets $152/mo after the $525/mo payment, a 9.04% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $32,270 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $1,076/yr in principal paydown, total projected return reaches $54,194.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $152 | $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 | $880 |
| Total Monthly Debt Service | $681 |
| DSCR Ratio | 1.29x |
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.
Townhouse
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65775, West Plains, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,308 (100%) |
| Owner Occupied HU | 6,765 (59.8%) |
| Renter Occupied HU | 3,412 (30.2%) |
| Vacant Housing Units | 1,131 (10.0%) |
| Median Home Value | $202,710 |
| Average Home Value | $261,102 |
Housing Distribution
Address Breakdown
Residential
10,872
Single Family
10,612
Multi-Family
260
Businesses
1,326
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
Townhouse
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65775, West Plains, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,308 (100%) |
| Owner Occupied HU | 6,765 (59.8%) |
| Renter Occupied HU | 3,412 (30.2%) |
| Vacant Housing Units | 1,131 (10.0%) |
| Median Home Value | $202,710 |
| Average Home Value | $261,102 |
Housing Distribution
Address Breakdown
Residential
10,872
Single Family
10,612
Multi-Family
260
Businesses
1,326
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A