2160 State Route YHarrisburgMO65256
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2160 State Route Y, Harrisburg, MO, 65256 in Harrisburg is capital appreciation. Rental yield 4.08%. The 4.08% gross yield at $795,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $219,644 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.76) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $156,705.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(2,251) | $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 | $2,700 |
| Total Monthly Debt Service | $4,635 |
| DSCR Ratio | 0.58x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2012
60.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65256, Harrisburg, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 802 (100%) |
| Owner Occupied HU | 667 (83.2%) |
| Renter Occupied HU | 98 (12.2%) |
| Vacant Housing Units | 37 ( 4.6%) |
| Median Home Value | $358,589 |
| Average Home Value | $427,819 |
Housing Distribution
Address Breakdown
Residential
805
Single Family
805
Multi-Family
0
Businesses
31
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 2012
60.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65256, Harrisburg, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 802 (100%) |
| Owner Occupied HU | 667 (83.2%) |
| Renter Occupied HU | 98 (12.2%) |
| Vacant Housing Units | 37 ( 4.6%) |
| Median Home Value | $358,589 |
| Average Home Value | $427,819 |
Housing Distribution
Address Breakdown
Residential
805
Single Family
805
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cody A West • Whitetail Properties Real Estate, LLC
Mls Name: MARIS
Mls ID: #25065627