234 Buds DrHill CitySD57745
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 234 Buds Dr, Hill City, SD, 57745 in Hill City: $2,572/mo in rent, $391/mo in net income, 8.94% gross yield, 1.66 DSCR, all at $345,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $95,317 in appreciation and $3,177/yr in principal paydown projects total cumulative return of $156,273.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $391 | $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 | $2,572 |
| Total Monthly Debt Service | $2,043 |
| DSCR Ratio | 1.26x |
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 2001
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57745, Hill City, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,403 (100%) |
| Owner Occupied HU | 769 (54.8%) |
| Renter Occupied HU | 185 (13.2%) |
| Vacant Housing Units | 449 (32.0%) |
| Median Home Value | $557,907 |
| Average Home Value | $564,915 |
Housing Distribution
Address Breakdown
Residential
678
Single Family
654
Multi-Family
24
Businesses
168
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 2001
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57745, Hill City, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,403 (100%) |
| Owner Occupied HU | 769 (54.8%) |
| Renter Occupied HU | 185 (13.2%) |
| Vacant Housing Units | 449 (32.0%) |
| Median Home Value | $557,907 |
| Average Home Value | $564,915 |
Housing Distribution
Address Breakdown
Residential
678
Single Family
654
Multi-Family
24
Businesses
168
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: James Peterson • Integrity Realty of the Black Hills
Mls Name: Mount Rushmore Area AOR
Mls ID: #86198