301 S Ardinger StHamiltonMO64644
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 301 S Ardinger St, Hamilton, MO, 64644 in Hamilton earns a 9.18% gross yield at $180,000. Rent of $1,377/mo nets $256/mo after the $853/mo mortgage. The 1.61 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $49,731 and $1,509/yr in equity accumulation project a total cumulative return of $81,384.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $256 | $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 | $1,377 |
| Total Monthly Debt Service | $1,093 |
| 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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1920
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64644, Hamilton, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,309 (100%) |
| Owner Occupied HU | 816 (62.3%) |
| Renter Occupied HU | 297 (22.7%) |
| Vacant Housing Units | 196 (15.0%) |
| Median Home Value | $178,378 |
| Average Home Value | $242,978 |
Housing Distribution
Address Breakdown
Residential
1,203
Single Family
1,203
Multi-Family
0
Businesses
111
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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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