400 E Commercial AveGettysburgSD57442
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 400 E Commercial Ave, Gettysburg, SD, 57442 in Gettysburg: $2,227/mo in rent, $806/mo net, 11.88% gross yield, all on a $224,900 acquisition. The 2.20 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $62,136 in value, and $2,071/yr in principal paydown steadily builds equity. Projected total cumulative return: $137,307.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.2% |
| Monthly Cash Flow | $806 | $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 | $2,227 |
| Total Monthly Debt Service | $1,332 |
| DSCR Ratio | 1.67x |
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 1910
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57442, Gettysburg, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,159 (100%) |
| Owner Occupied HU | 595 (51.3%) |
| Renter Occupied HU | 200 (17.3%) |
| Vacant Housing Units | 364 (31.4%) |
| Median Home Value | $176,420 |
| Average Home Value | $240,748 |
Housing Distribution
Address Breakdown
Residential
737
Single Family
703
Multi-Family
34
Businesses
120
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 1910
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57442, Gettysburg, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,159 (100%) |
| Owner Occupied HU | 595 (51.3%) |
| Renter Occupied HU | 200 (17.3%) |
| Vacant Housing Units | 364 (31.4%) |
| Median Home Value | $176,420 |
| Average Home Value | $240,748 |
Housing Distribution
Address Breakdown
Residential
737
Single Family
703
Multi-Family
34
Businesses
120
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