214 W 5th StShelbyvilleMO63469
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 214 W 5th St, Shelbyville, MO, 63469 in Shelbyville offers a clean, manageable entry. Rental yield 7.2%. DSCR 1.33 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $40,033 in additional property value over five years, with $1,335/yr in principal equity building ownership stake. Total projected cumulative return: $52,861.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(32) | $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 | $870 |
| Total Monthly Debt Service | $845 |
| DSCR Ratio | 1.03x |
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 1950
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63469, Shelbyville, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 534 (100%) |
| Owner Occupied HU | 317 (59.4%) |
| Renter Occupied HU | 120 (22.5%) |
| Vacant Housing Units | 97 (18.2%) |
| Median Home Value | $123,214 |
| Average Home Value | $169,030 |
Housing Distribution
Address Breakdown
Residential
485
Single Family
485
Multi-Family
0
Businesses
56
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 1950
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63469, Shelbyville, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 534 (100%) |
| Owner Occupied HU | 317 (59.4%) |
| Renter Occupied HU | 120 (22.5%) |
| Vacant Housing Units | 97 (18.2%) |
| Median Home Value | $123,214 |
| Average Home Value | $169,030 |
Housing Distribution
Address Breakdown
Residential
485
Single Family
485
Multi-Family
0
Businesses
56
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Wilt • Macon Realty Company
Mls Name: Northeast Central AOR
Mls ID: #43430