312 E Whiteside StreetSpringfieldMO65807
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 312 E Whiteside Street, Springfield, MO, 65807 in Springfield delivers $1,502/mo in gross rent and $475/mo in net monthly income at a $165,000 entry. The 10.93% yield and 2.02 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $45,586 over five years and $1,520/yr in equity from loan paydown, total projected return is $93,122.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.5% |
| Monthly Cash Flow | $475 | $285 |
City averages based on Springfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,502 |
| Total Monthly Debt Service | $962 |
| DSCR Ratio | 1.56x |
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 1950
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65807, Springfield, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,767 (100%) |
| Owner Occupied HU | 12,151 (42.2%) |
| Renter Occupied HU | 14,608 (50.8%) |
| Vacant Housing Units | 2,008 ( 7.0%) |
| Median Home Value | $199,856 |
| Average Home Value | $233,654 |
Housing Distribution
Address Breakdown
Residential
26,780
Single Family
23,613
Multi-Family
3,167
Businesses
1,904
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 1950
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65807, Springfield, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,767 (100%) |
| Owner Occupied HU | 12,151 (42.2%) |
| Renter Occupied HU | 14,608 (50.8%) |
| Vacant Housing Units | 2,008 ( 7.0%) |
| Median Home Value | $199,856 |
| Average Home Value | $233,654 |
Housing Distribution
Address Breakdown
Residential
26,780
Single Family
23,613
Multi-Family
3,167
Businesses
1,904
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Seitz • Aurora Realty LLC
Mls Name: SOMOMLS
Mls ID: #60313667