221 Main StGarden CityMO64747
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 221 Main St, Garden City, MO, 64747 in Garden City is capital appreciation. Rental yield 2.92%. The 2.92% gross yield at $345,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $95,317 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.54) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $46,677.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.2% |
| Monthly Cash Flow | $(1,309) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $840 |
| Total Monthly Debt Service | $2,011 |
| DSCR Ratio | 0.42x |
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.
Multi Family
Built in 1920
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64747, Garden City, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,610 (100%) |
| Owner Occupied HU | 1,236 (76.8%) |
| Renter Occupied HU | 268 (16.6%) |
| Vacant Housing Units | 106 ( 6.6%) |
| Median Home Value | $290,060 |
| Average Home Value | $334,260 |
Housing Distribution
Address Breakdown
Residential
1,437
Single Family
1,437
Multi-Family
0
Businesses
73
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
Multi Family
Built in 1920
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64747, Garden City, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,610 (100%) |
| Owner Occupied HU | 1,236 (76.8%) |
| Renter Occupied HU | 268 (16.6%) |
| Vacant Housing Units | 106 ( 6.6%) |
| Median Home Value | $290,060 |
| Average Home Value | $334,260 |
Housing Distribution
Address Breakdown
Residential
1,437
Single Family
1,437
Multi-Family
0
Businesses
73
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2618105