14480 E Spur NStocktonMO65785
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow14480 E Spur N, Stockton, MO, 65785 in Stockton is a solid income-producing rental, 11.5% gross yield, $1,342/mo rent, $470/mo net cash flow on a $140,000 buy. DSCR 2.13 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $38,679 and $1,289/yr in principal reduction project a total cumulative return of $83,376.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $470 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,342 |
| Total Monthly Debt Service | $816 |
| DSCR Ratio | 1.64x |
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 1920
0.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65785, Stockton, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,845 (100%) |
| Owner Occupied HU | 1,745 (61.3%) |
| Renter Occupied HU | 477 (16.8%) |
| Vacant Housing Units | 623 (21.9%) |
| Median Home Value | $216,472 |
| Average Home Value | $265,802 |
Housing Distribution
Address Breakdown
Residential
2,369
Single Family
2,299
Multi-Family
70
Businesses
253
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 1920
0.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65785, Stockton, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,845 (100%) |
| Owner Occupied HU | 1,745 (61.3%) |
| Renter Occupied HU | 477 (16.8%) |
| Vacant Housing Units | 623 (21.9%) |
| Median Home Value | $216,472 |
| Average Home Value | $265,802 |
Housing Distribution
Address Breakdown
Residential
2,369
Single Family
2,299
Multi-Family
70
Businesses
253
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices