4181 McIntosh LnRapid CitySD57703
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 4181 McIntosh Ln, Rapid City, SD, 57703 in Rapid City worth modelling. At $349,950 with a 8% gross yield, the $2,334/mo rent leaves $122/mo after the $1,574/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.48 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $96,685 by year five; $3,223/yr in principal reduction adds further equity. Total projected return: $140,786.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.8% |
| Monthly Cash Flow | $122 | $1,250 |
City averages based on Rapid City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,334 |
| Total Monthly Debt Service | $2,072 |
| DSCR Ratio | 1.13x |
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 2026
9,147 sqft lot
$N/A/sqft
No HOA
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 2026
9,147 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Black Hills AOR
Mls ID: #178053