406 N Lafayette StMadisonMO65263
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 406 N Lafayette St, Madison, MO, 65263 in Madison. Rental yield 6.04%. The 1.12 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $57,992 and $1,933/yr in principal reduction project total return of $63,502.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.2% |
| Monthly Cash Flow | $(251) | $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 | $1,056 |
| Total Monthly Debt Service | $1,224 |
| DSCR Ratio | 0.86x |
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 1976
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65263, Madison, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 844 (100%) |
| Owner Occupied HU | 600 (71.1%) |
| Renter Occupied HU | 109 (12.9%) |
| Vacant Housing Units | 135 (16.0%) |
| Median Home Value | $188,571 |
| Average Home Value | $260,254 |
Housing Distribution
Address Breakdown
Residential
758
Single Family
758
Multi-Family
0
Businesses
32
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 1976
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65263, Madison, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 844 (100%) |
| Owner Occupied HU | 600 (71.1%) |
| Renter Occupied HU | 109 (12.9%) |
| Vacant Housing Units | 135 (16.0%) |
| Median Home Value | $188,571 |
| Average Home Value | $260,254 |
Housing Distribution
Address Breakdown
Residential
758
Single Family
758
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel O Miller • Missouri Real Estate
Mls Name: MARIS
Mls Provider:
Mls ID: #25030533
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