21059 Bayport AveEthelMO63539
INVESTMENT ANALYSIS
Investment Verdict
Solid Income21059 Bayport Ave, Ethel, MO, 63539 in Ethel is a solid income-producing rental, 8.68% gross yield, $1,847/mo rent, $257/mo net cash flow on a $255,300 buy. DSCR 1.61 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $70,535 and $2,351/yr in principal reduction project a total cumulative return of $113,414.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $257 | $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 | $1,847 |
| Total Monthly Debt Service | $1,488 |
| DSCR Ratio | 1.24x |
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 2018
4.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63539, Ethel, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 145 (100%) |
| Owner Occupied HU | 85 (58.6%) |
| Renter Occupied HU | 10 ( 6.9%) |
| Vacant Housing Units | 50 (34.5%) |
| Median Home Value | $184,375 |
| Average Home Value | $227,235 |
Housing Distribution
Address Breakdown
Residential
91
Single Family
91
Multi-Family
0
Businesses
10
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 2018
4.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63539, Ethel, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 145 (100%) |
| Owner Occupied HU | 85 (58.6%) |
| Renter Occupied HU | 10 ( 6.9%) |
| Vacant Housing Units | 50 (34.5%) |
| Median Home Value | $184,375 |
| Average Home Value | $227,235 |
Housing Distribution
Address Breakdown
Residential
91
Single Family
91
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices