2103 Windstone DrColumbiaMO65201
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 2103 Windstone Dr, Columbia, MO, 65201 in Columbia at $345,000 earns $2,286/mo in rent and nets $127/mo after the $1,551/mo payment, a 7.95% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $95,317 over five years. Ziffy Mortgage underwrites this on a 1.47 DSCR without U.S. credit history. With $3,177/yr in principal paydown, total projected return reaches $139,737.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.8% |
| Monthly Cash Flow | $127 | $1,420 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,286 |
| Total Monthly Debt Service | $2,011 |
| DSCR Ratio | 1.14x |
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 2003
6,710 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65201, Columbia, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,582 (100%) |
| Owner Occupied HU | 6,281 (27.8%) |
| Renter Occupied HU | 13,910 (61.6%) |
| Vacant Housing Units | 2,391 (10.6%) |
| Median Home Value | $312,605 |
| Average Home Value | $358,527 |
Housing Distribution
Address Breakdown
Residential
20,008
Single Family
15,512
Multi-Family
4,496
Businesses
1,763
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 2003
6,710 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65201, Columbia, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,582 (100%) |
| Owner Occupied HU | 6,281 (27.8%) |
| Renter Occupied HU | 13,910 (61.6%) |
| Vacant Housing Units | 2,391 (10.6%) |
| Median Home Value | $312,605 |
| Average Home Value | $358,527 |
Housing Distribution
Address Breakdown
Residential
20,008
Single Family
15,512
Multi-Family
4,496
Businesses
1,763
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices