301 N 2nd StGowerMO64454
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 301 N 2nd St, Gower, MO, 64454 in Gower. Priced at $214,900, it generates $1,892/mo in gross rent and $554/mo in net monthly cash flow, a 10.57% yield that comfortably supports the 1.86 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,648. Five-year appreciation: $59,373. Equity from principal paydown: $1,801/yr. Total projected cumulative return: $113,122.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.2% |
| Monthly Cash Flow | $554 | $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 | $1,892 |
| Total Monthly Debt Service | $1,305 |
| DSCR Ratio | 1.45x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1921
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64454, Gower, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,089 (100%) |
| Owner Occupied HU | 837 (76.9%) |
| Renter Occupied HU | 158 (14.5%) |
| Vacant Housing Units | 94 ( 8.6%) |
| Median Home Value | $239,907 |
| Average Home Value | $309,250 |
Housing Distribution
Address Breakdown
Residential
960
Single Family
960
Multi-Family
0
Businesses
71
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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
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