321 422nd AveBradleySD57217
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow321 422nd Ave, Bradley, SD, 57217 in Bradley is a top-tier cash-flow asset. At $164,900 it produces $3,017/mo in rent and $1,975/mo in net monthly income, a 21.95% gross rental yield. The DSCR of 4.07 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $23,697. Five-year appreciation adds $45,559, driving a total cumulative return of $189,797.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 22% | 6.2% |
| Monthly Cash Flow | $1,975 | $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 | $3,017 |
| Total Monthly Debt Service | $976 |
| DSCR Ratio | 3.09x |
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 1989
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57217, Bradley, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 134 (100%) |
| Owner Occupied HU | 87 (64.9%) |
| Renter Occupied HU | 17 (12.7%) |
| Vacant Housing Units | 30 (22.4%) |
| Median Home Value | $173,438 |
| Average Home Value | $376,552 |
Housing Distribution
Address Breakdown
Residential
81
Single Family
81
Multi-Family
0
Businesses
9
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 1989
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57217, Bradley, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 134 (100%) |
| Owner Occupied HU | 87 (64.9%) |
| Renter Occupied HU | 17 (12.7%) |
| Vacant Housing Units | 30 (22.4%) |
| Median Home Value | $173,438 |
| Average Home Value | $376,552 |
Housing Distribution
Address Breakdown
Residential
81
Single Family
81
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices