2601 E Whisper TrlSioux FallsSD57108
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2601 E Whisper Trl, Sioux Falls, SD, 57108 in Sioux Falls is narrow, $141/mo net on $2,460/mo rent after the $1,527/mo debt service, but the property operates at break-even-plus, not a loss. At $339,500 with a 8.7% yield, the long-run equity case via 5% appreciation ($93,798 over five years) and $3,127/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.61 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $138,735.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.8% |
| Monthly Cash Flow | $141 | $450 |
City averages based on Sioux Falls market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,460 |
| Total Monthly Debt Service | $2,184 |
| DSCR Ratio | 1.13x |
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 2014
N/A lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57108, Sioux Falls, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,645 (100%) |
| Owner Occupied HU | 9,045 (54.3%) |
| Renter Occupied HU | 6,307 (37.9%) |
| Vacant Housing Units | 1,293 ( 7.8%) |
| Median Home Value | $421,744 |
| Average Home Value | $525,253 |
Housing Distribution
Address Breakdown
Residential
16,408
Single Family
13,944
Multi-Family
2,464
Businesses
1,036
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 2014
N/A lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57108, Sioux Falls, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,645 (100%) |
| Owner Occupied HU | 9,045 (54.3%) |
| Renter Occupied HU | 6,307 (37.9%) |
| Vacant Housing Units | 1,293 ( 7.8%) |
| Median Home Value | $421,744 |
| Average Home Value | $525,253 |
Housing Distribution
Address Breakdown
Residential
16,408
Single Family
13,944
Multi-Family
2,464
Businesses
1,036
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A