14109 Lawrence 2160Mount VernonMO65712
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 14109 Lawrence 2160, Mount Vernon, MO, 65712 in Mount Vernon. Rental yield 3.73%. At $485,000 with 3.73% gross yield, current distributions are modest, but the 5% appreciation rate projects $133,997 in new equity by year five, complemented by $4,467/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.69) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $86,553.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.2% |
| Monthly Cash Flow | $(1,514) | $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 | $1,506 |
| Total Monthly Debt Service | $2,828 |
| DSCR Ratio | 0.53x |
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 2004
8.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65712, Mount Vernon, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,664 (100%) |
| Owner Occupied HU | 2,415 (65.9%) |
| Renter Occupied HU | 947 (25.8%) |
| Vacant Housing Units | 302 ( 8.2%) |
| Median Home Value | $229,030 |
| Average Home Value | $274,113 |
Housing Distribution
Address Breakdown
Residential
3,482
Single Family
3,387
Multi-Family
95
Businesses
341
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 2004
8.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65712, Mount Vernon, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,664 (100%) |
| Owner Occupied HU | 2,415 (65.9%) |
| Renter Occupied HU | 947 (25.8%) |
| Vacant Housing Units | 302 ( 8.2%) |
| Median Home Value | $229,030 |
| Average Home Value | $274,113 |
Housing Distribution
Address Breakdown
Residential
3,482
Single Family
3,387
Multi-Family
95
Businesses
341
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SOMOMLS as distributed by MLS GRID
Mls ID: #60318214