204 N Main StNew CambriaMO63558
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 204 N Main St, New Cambria, MO, 63558 in New Cambria is narrow, $157/mo net on $904/mo rent after the $539/mo debt service, but the property operates at break-even-plus, not a loss. At $119,900 with a 9.05% yield, the long-run equity case via 5% appreciation ($33,126 over five years) and $1,104/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.68 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $55,656.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $157 | $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 | $904 |
| Total Monthly Debt Service | $699 |
| DSCR Ratio | 1.29x |
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 1900
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63558, New Cambria, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 408 (100%) |
| Owner Occupied HU | 264 (64.7%) |
| Renter Occupied HU | 36 ( 8.8%) |
| Vacant Housing Units | 108 (26.5%) |
| Median Home Value | $238,462 |
| Average Home Value | $294,271 |
Housing Distribution
Address Breakdown
Residential
292
Single Family
292
Multi-Family
0
Businesses
19
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 1900
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63558, New Cambria, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 408 (100%) |
| Owner Occupied HU | 264 (64.7%) |
| Renter Occupied HU | 36 ( 8.8%) |
| Vacant Housing Units | 108 (26.5%) |
| Median Home Value | $238,462 |
| Average Home Value | $294,271 |
Housing Distribution
Address Breakdown
Residential
292
Single Family
292
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mark Truitt • Tiger Country Realty
Mls Name: Northeast Central AOR
Mls ID: #43535