3495 E State Highway AaSpringfieldMO65803
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 3495 E State Highway Aa, Springfield, MO, 65803 in Springfield is capital appreciation. Rental yield 1.11%. The 1.11% gross yield at $899,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $248,626 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.21) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $34,408.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.1% | 6.5% |
| Monthly Cash Flow | $(4,770) | $285 |
City averages based on Springfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $834 |
| Total Monthly Debt Service | $5,246 |
| DSCR Ratio | 0.16x |
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 2022
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65803, Springfield, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,398 (100%) |
| Owner Occupied HU | 10,153 (49.8%) |
| Renter Occupied HU | 8,289 (40.6%) |
| Vacant Housing Units | 1,956 ( 9.6%) |
| Median Home Value | $214,919 |
| Average Home Value | $245,680 |
Housing Distribution
Address Breakdown
Residential
19,033
Single Family
17,982
Multi-Family
1,051
Businesses
1,316
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 2022
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65803, Springfield, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,398 (100%) |
| Owner Occupied HU | 10,153 (49.8%) |
| Renter Occupied HU | 8,289 (40.6%) |
| Vacant Housing Units | 1,956 ( 9.6%) |
| Median Home Value | $214,919 |
| Average Home Value | $245,680 |
Housing Distribution
Address Breakdown
Residential
19,033
Single Family
17,982
Multi-Family
1,051
Businesses
1,316
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: William Johnson • House Theory Realty
Mls Name: SOMOMLS
Mls Provider:
Mls ID: #60274123
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