322 4th StOralSD57766
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 322 4th St, Oral, SD, 57766 in Oral the bet is firmly on appreciation. Rental yield 0%. The 0% gross yield on a $310,000 price is below income-first thresholds, but 5%/yr value growth projects $85,647 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.00) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 6.2% |
| Monthly Cash Flow | $0 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
Manufactured
Built in 2003
3.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57766, Oral, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 126 (100%) |
| Owner Occupied HU | 94 (74.6%) |
| Renter Occupied HU | 25 (19.8%) |
| Vacant Housing Units | 7 ( 5.6%) |
| Median Home Value | $175,000 |
| Average Home Value | $243,404 |
Housing Distribution
Address Breakdown
Residential
107
Single Family
107
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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 2003
3.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57766, Oral, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 126 (100%) |
| Owner Occupied HU | 94 (74.6%) |
| Renter Occupied HU | 25 (19.8%) |
| Vacant Housing Units | 7 ( 5.6%) |
| Median Home Value | $175,000 |
| Average Home Value | $243,404 |
Housing Distribution
Address Breakdown
Residential
107
Single Family
107
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Mount Rushmore Area AOR
Mls ID: #87013