314 N Clark StVandaliaMO63382
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.52% yield at 314 N Clark St, Vandalia, MO, 63382 in Vandalia is solid, but the $470/mo payment compresses net cash flow to $172/mo at $104,500. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $28,871 by year five, and $962/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.76) without U.S. income documentation. Total projected return: $50,755.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $172 | $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 | $829 |
| Total Monthly Debt Service | $615 |
| DSCR Ratio | 1.35x |
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.
Manufactured
Built in 2020
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63382, Vandalia, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,618 (100%) |
| Owner Occupied HU | 1,002 (61.9%) |
| Renter Occupied HU | 389 (24.0%) |
| Vacant Housing Units | 227 (14.0%) |
| Median Home Value | $106,022 |
| Average Home Value | $149,641 |
Housing Distribution
Address Breakdown
Residential
1,409
Single Family
1,373
Multi-Family
36
Businesses
118
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
Manufactured
Built in 2020
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63382, Vandalia, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,618 (100%) |
| Owner Occupied HU | 1,002 (61.9%) |
| Renter Occupied HU | 389 (24.0%) |
| Vacant Housing Units | 227 (14.0%) |
| Median Home Value | $106,022 |
| Average Home Value | $149,641 |
Housing Distribution
Address Breakdown
Residential
1,409
Single Family
1,373
Multi-Family
36
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cindy Lynn-Drainer • At Home Realty, LLC
Mls Name: CBORMLS
Mls Provider:
Mls ID: #428935
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.