200 E 3rd StKennebecSD57365
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Kennebec rentals match the income profile of 200 E 3rd St, Kennebec, SD, 57365. Listed at $150,197, gross rent is $1,703/mo and net cash flow is $754/mo, a 13.6% yield well above national averages. DSCR 2.52 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $41,497 by year five with $1,383/yr in annual principal reduction, projecting $105,565 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.6% | 6.2% |
| Monthly Cash Flow | $754 | $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 | $1,703 |
| Total Monthly Debt Service | $889 |
| DSCR Ratio | 1.91x |
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 1926
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57365, Oacoma, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 263 (100%) |
| Owner Occupied HU | 169 (64.3%) |
| Renter Occupied HU | 45 (17.1%) |
| Vacant Housing Units | 49 (18.6%) |
| Median Home Value | $292,045 |
| Average Home Value | $334,793 |
Housing Distribution
Address Breakdown
Residential
44
Single Family
44
Multi-Family
0
Businesses
20
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 1926
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57365, Oacoma, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 263 (100%) |
| Owner Occupied HU | 169 (64.3%) |
| Renter Occupied HU | 45 (17.1%) |
| Vacant Housing Units | 49 (18.6%) |
| Median Home Value | $292,045 |
| Average Home Value | $334,793 |
Housing Distribution
Address Breakdown
Residential
44
Single Family
44
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A