3900 Highway 101BakersfieldMO65609
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 3900 Highway 101, Bakersfield, MO, 65609 in Bakersfield offers a clean, manageable entry. Rental yield 6.48%. DSCR 1.20 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $54,980 in additional property value over five years, with $1,833/yr in principal equity building ownership stake. Total projected cumulative return: $64,938.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.2% |
| Monthly Cash Flow | $(164) | $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 | $1,075 |
| Total Monthly Debt Service | $1,160 |
| DSCR Ratio | 0.93x |
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 1959
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65609, Bakersfield, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 303 (100%) |
| Owner Occupied HU | 233 (76.9%) |
| Renter Occupied HU | 43 (14.2%) |
| Vacant Housing Units | 27 ( 8.9%) |
| Median Home Value | $174,167 |
| Average Home Value | $267,092 |
Housing Distribution
Address Breakdown
Residential
245
Single Family
245
Multi-Family
0
Businesses
21
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 1959
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65609, Bakersfield, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 303 (100%) |
| Owner Occupied HU | 233 (76.9%) |
| Renter Occupied HU | 43 (14.2%) |
| Vacant Housing Units | 27 ( 8.9%) |
| Median Home Value | $174,167 |
| Average Home Value | $267,092 |
Housing Distribution
Address Breakdown
Residential
245
Single Family
245
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A