301 E 3rd StWinstonMO64689
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingThe headline number at 301 E 3rd St, Winston, MO, 64689 in Winston is the 1.59 coverage ratio: rent of $823/mo versus a $519/mo debt payment on a $115,500 property. Rental yield 6.81%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $31,911 by year five, with $1,064/yr in equity from paydown. Total projected cumulative return: $50,503.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.2% |
| Monthly Cash Flow | $(80) | $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 | $823 |
| Total Monthly Debt Service | $673 |
| DSCR Ratio | 1.22x |
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 1910
1.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64689, Winston, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 266 (100%) |
| Owner Occupied HU | 197 (74.1%) |
| Renter Occupied HU | 30 (11.3%) |
| Vacant Housing Units | 39 (14.7%) |
| Median Home Value | $308,824 |
| Average Home Value | $343,452 |
Housing Distribution
Address Breakdown
Residential
235
Single Family
235
Multi-Family
0
Businesses
20
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 1910
1.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64689, Winston, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 266 (100%) |
| Owner Occupied HU | 197 (74.1%) |
| Renter Occupied HU | 30 (11.3%) |
| Vacant Housing Units | 39 (14.7%) |
| Median Home Value | $308,824 |
| Average Home Value | $343,452 |
Housing Distribution
Address Breakdown
Residential
235
Single Family
235
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices