424 S Mallory StHaytiMO63851
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 424 S Mallory St, Hayti, MO, 63851 in Hayti at $109,200 earns $869/mo in rent and nets $157/mo after the $491/mo payment, a 9.55% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,170 over five years. Ziffy Mortgage underwrites this on a 1.77 DSCR without U.S. credit history. With $1,006/yr in principal paydown, total projected return reaches $51,686.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $157 | $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 | $869 |
| Total Monthly Debt Service | $668 |
| DSCR Ratio | 1.30x |
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 2002
0.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63851, Hayti, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,772 (100%) |
| Owner Occupied HU | 702 (39.6%) |
| Renter Occupied HU | 844 (47.6%) |
| Vacant Housing Units | 226 (12.8%) |
| Median Home Value | $84,828 |
| Average Home Value | $123,579 |
Housing Distribution
Address Breakdown
Residential
1,642
Single Family
1,642
Multi-Family
0
Businesses
194
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 2002
0.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63851, Hayti, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,772 (100%) |
| Owner Occupied HU | 702 (39.6%) |
| Renter Occupied HU | 844 (47.6%) |
| Vacant Housing Units | 226 (12.8%) |
| Median Home Value | $84,828 |
| Average Home Value | $123,579 |
Housing Distribution
Address Breakdown
Residential
1,642
Single Family
1,642
Multi-Family
0
Businesses
194
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gina R. Miller • The Gina Miller Realty Company
Mls Name: CARMLS
Mls Provider:
Mls ID: #24037742
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.