351 Niswonger LnMillersvilleMO63766
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 351 Niswonger Ln, Millersville, MO, 63766 in Millersville is capital appreciation. Rental yield 3.94%. The 3.94% gross yield at $224,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $62,136 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.73) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $42,747.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.2% |
| Monthly Cash Flow | $(683) | $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 | $738 |
| Total Monthly Debt Service | $1,311 |
| DSCR Ratio | 0.56x |
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.
Manufactured
Built in 2001
5.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63766, Millersville, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 369 (100%) |
| Owner Occupied HU | 299 (81.0%) |
| Renter Occupied HU | 42 (11.4%) |
| Vacant Housing Units | 28 ( 7.6%) |
| Median Home Value | $255,488 |
| Average Home Value | $495,251 |
Housing Distribution
Address Breakdown
Residential
530
Single Family
530
Multi-Family
0
Businesses
19
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 2001
5.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63766, Millersville, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 369 (100%) |
| Owner Occupied HU | 299 (81.0%) |
| Renter Occupied HU | 42 (11.4%) |
| Vacant Housing Units | 28 ( 7.6%) |
| Median Home Value | $255,488 |
| Average Home Value | $495,251 |
Housing Distribution
Address Breakdown
Residential
530
Single Family
530
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dana M Leming • Century 21 Ashland Realty
Mls Name: MARIS
Mls ID: #26010172