417 S Spiker StBernieMO63822
INVESTMENT ANALYSIS
Investment Verdict
Solid Income417 S Spiker St, Bernie, MO, 63822 in Bernie is a solid income-producing rental, 9.85% gross yield, $1,067/mo rent, $257/mo net cash flow on a $130,000 buy. DSCR 1.82 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $35,917 and $1,197/yr in principal reduction project a total cumulative return of $65,861.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $257 | $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 | $1,067 |
| Total Monthly Debt Service | $758 |
| DSCR Ratio | 1.41x |
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 1981
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63822, Bernie, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,229 (100%) |
| Owner Occupied HU | 755 (61.4%) |
| Renter Occupied HU | 315 (25.6%) |
| Vacant Housing Units | 159 (12.9%) |
| Median Home Value | $140,132 |
| Average Home Value | $158,440 |
Housing Distribution
Address Breakdown
Residential
1,079
Single Family
1,006
Multi-Family
73
Businesses
111
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 1981
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63822, Bernie, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,229 (100%) |
| Owner Occupied HU | 755 (61.4%) |
| Renter Occupied HU | 315 (25.6%) |
| Vacant Housing Units | 159 (12.9%) |
| Median Home Value | $140,132 |
| Average Home Value | $158,440 |
Housing Distribution
Address Breakdown
Residential
1,079
Single Family
1,006
Multi-Family
73
Businesses
111
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices