3150 N Route ZColumbiaMO65202
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 3150 N Route Z, Columbia, MO, 65202 in Columbia fits: $875,000, 4.53% gross yield, and a projected 5% annual appreciation rate adding $241,746 in value within five years. Rental yield 4.53%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.84) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,059/yr in principal paydown and $241,746 in appreciation project a total return of $193,619.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.8% |
| Monthly Cash Flow | $(2,149) | $1,420 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,300 |
| Total Monthly Debt Service | $5,101 |
| DSCR Ratio | 0.65x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1990
23.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65202, Columbia, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,464 (100%) |
| Owner Occupied HU | 12,818 (57.1%) |
| Renter Occupied HU | 7,973 (35.5%) |
| Vacant Housing Units | 1,673 ( 7.4%) |
| Median Home Value | $230,096 |
| Average Home Value | $280,896 |
Housing Distribution
Address Breakdown
Residential
21,110
Single Family
20,925
Multi-Family
185
Businesses
931
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 1990
23.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65202, Columbia, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,464 (100%) |
| Owner Occupied HU | 12,818 (57.1%) |
| Renter Occupied HU | 7,973 (35.5%) |
| Vacant Housing Units | 1,673 ( 7.4%) |
| Median Home Value | $230,096 |
| Average Home Value | $280,896 |
Housing Distribution
Address Breakdown
Residential
21,110
Single Family
20,925
Multi-Family
185
Businesses
931
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Todd Hague • Weichert, Realtors - First Tier
Mls Name: CBORMLS
Mls Provider:
Mls ID: #422921
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.