15144 Highway 97Stotts CityMO65756
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 15144 Highway 97, Stotts City, MO, 65756 in Stotts City is capital appreciation. Rental yield 2.99%. The 2.99% gross yield at $848,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $234,287 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.55) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $118,045.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.2% |
| Monthly Cash Flow | $(3,166) | $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 | $2,116 |
| Total Monthly Debt Service | $4,944 |
| DSCR Ratio | 0.43x |
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 2005
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65756, Stotts City, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 285 (100%) |
| Owner Occupied HU | 219 (76.8%) |
| Renter Occupied HU | 26 ( 9.1%) |
| Vacant Housing Units | 40 (14.0%) |
| Median Home Value | $235,989 |
| Average Home Value | $361,267 |
Housing Distribution
Address Breakdown
Residential
228
Single Family
228
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 2005
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65756, Stotts City, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 285 (100%) |
| Owner Occupied HU | 219 (76.8%) |
| Renter Occupied HU | 26 ( 9.1%) |
| Vacant Housing Units | 40 (14.0%) |
| Median Home Value | $235,989 |
| Average Home Value | $361,267 |
Housing Distribution
Address Breakdown
Residential
228
Single Family
228
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Quinton Bauer • Mossy Oak Properties Missouri Land Brokers
Mls Name: My State MLS
Mls ID: #11582871