19434 Jesse James PlSaint OngeSD57779
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 19434 Jesse James Pl, Saint Onge, SD, 57779 in Saint Onge fits: $550,000, 4.08% gross yield, and a projected 5% annual appreciation rate adding $151,955 in value within five years. Rental yield 4.08%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.75) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,066/yr in principal paydown and $151,955 in appreciation project a total return of $104,298.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(1,607) | $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 | $1,850 |
| Total Monthly Debt Service | $3,257 |
| DSCR Ratio | 0.57x |
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
5.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57779, Saint Onge, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 227 (100%) |
| Owner Occupied HU | 169 (74.4%) |
| Renter Occupied HU | 39 (17.2%) |
| Vacant Housing Units | 19 ( 8.4%) |
| Median Home Value | $411,667 |
| Average Home Value | $518,328 |
Housing Distribution
Address Breakdown
Residential
101
Single Family
101
Multi-Family
0
Businesses
12
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
5.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57779, Saint Onge, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 227 (100%) |
| Owner Occupied HU | 169 (74.4%) |
| Renter Occupied HU | 39 (17.2%) |
| Vacant Housing Units | 19 ( 8.4%) |
| Median Home Value | $411,667 |
| Average Home Value | $518,328 |
Housing Distribution
Address Breakdown
Residential
101
Single Family
101
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ashley Goodrich • RE/MAX In The Hills
Mls Name: Mount Rushmore Area AOR
Mls Provider:
Mls ID: #83938
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