20312 E 22nd St SIndependenceMO64057
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 20312 E 22nd St S, Independence, MO, 64057 in Independence worth study. Rental yield 4.56%. The 4.56% gross yield is below cash-flow benchmarks at $619,900, but 5% annual appreciation, adding $171,267 over five years, frames this as a capital growth position. Rent of $2,358/mo partially offsets the $2,787/mo payment. Ziffy Mortgage finances appreciation-play properties (0.85 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $138,519.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 7.0% |
| Monthly Cash Flow | $(1,536) | $400 |
City averages based on Independence market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,358 |
| Total Monthly Debt Service | $3,614 |
| DSCR Ratio | 0.65x |
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 2026
10,454 sqft lot
$N/A/sqft
No HOA
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 2026
10,454 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2610206