204 W 4th StColomeSD57528
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 204 W 4th St, Colome, SD, 57528 in Colome is listed at $139,000 and delivers $1,170/mo in rent and $292/mo in net monthly cash flow. The 10.1% yield and 1.87 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $38,403 over five years, and $1,280/yr in principal reduction supplements cash return. Total projected cumulative return: $71,552.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $292 | $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 | $1,170 |
| Total Monthly Debt Service | $823 |
| DSCR Ratio | 1.42x |
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 1933
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57528, Colome, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 337 (100%) |
| Owner Occupied HU | 206 (61.1%) |
| Renter Occupied HU | 47 (13.9%) |
| Vacant Housing Units | 84 (24.9%) |
| Median Home Value | $191,667 |
| Average Home Value | $297,791 |
Housing Distribution
Address Breakdown
Residential
252
Single Family
252
Multi-Family
0
Businesses
24
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 1933
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57528, Colome, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 337 (100%) |
| Owner Occupied HU | 206 (61.1%) |
| Renter Occupied HU | 47 (13.9%) |
| Vacant Housing Units | 84 (24.9%) |
| Median Home Value | $191,667 |
| Average Home Value | $297,791 |
Housing Distribution
Address Breakdown
Residential
252
Single Family
252
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kay Bolton • South Central Realty
Mls Name: My State MLS
Mls ID: #11433661