1927 Junction AveSturgisSD57785
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1927 Junction Ave, Sturgis, SD, 57785 in Sturgis is narrow, $125/mo net on $2,135/mo rent after the $1,430/mo debt service, but the property operates at break-even-plus, not a loss. At $318,000 with a 8.06% yield, the long-run equity case via 5% appreciation ($87,858 over five years) and $2,929/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $128,831.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.8% |
| Monthly Cash Flow | $125 | $450 |
City averages based on Sturgis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,135 |
| Total Monthly Debt Service | $1,883 |
| DSCR Ratio | 1.13x |
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 1930
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57785, Sturgis, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,258 (100%) |
| Owner Occupied HU | 3,225 (61.3%) |
| Renter Occupied HU | 1,384 (26.3%) |
| Vacant Housing Units | 649 (12.3%) |
| Median Home Value | $320,252 |
| Average Home Value | $346,612 |
Housing Distribution
Address Breakdown
Residential
4,645
Single Family
4,210
Multi-Family
435
Businesses
509
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 1930
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57785, Sturgis, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,258 (100%) |
| Owner Occupied HU | 3,225 (61.3%) |
| Renter Occupied HU | 1,384 (26.3%) |
| Vacant Housing Units | 649 (12.3%) |
| Median Home Value | $320,252 |
| Average Home Value | $346,612 |
Housing Distribution
Address Breakdown
Residential
4,645
Single Family
4,210
Multi-Family
435
Businesses
509
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Beth Staeckeler • Blair Allen Luxury Real Estate LLC
Mls Name: Mount Rushmore Area AOR
Mls ID: #87019