440 E Farm Road 84SpringfieldMO65803
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 440 E Farm Road 84, Springfield, MO, 65803 in Springfield is narrow, $162/mo net on $785/mo rent after the $450/mo debt service, but the property operates at break-even-plus, not a loss. At $100,000 with a 9.42% yield, the long-run equity case via 5% appreciation ($27,628 over five years) and $921/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.74 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $48,365.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $162 | $285 |
City averages based on Springfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $785 |
| Total Monthly Debt Service | $583 |
| DSCR Ratio | 1.35x |
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 1964
1,567 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65803, Springfield, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,398 (100%) |
| Owner Occupied HU | 10,153 (49.8%) |
| Renter Occupied HU | 8,289 (40.6%) |
| Vacant Housing Units | 1,956 ( 9.6%) |
| Median Home Value | $214,919 |
| Average Home Value | $245,680 |
Housing Distribution
Address Breakdown
Residential
19,033
Single Family
17,982
Multi-Family
1,051
Businesses
1,316
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 1964
1,567 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65803, Springfield, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,398 (100%) |
| Owner Occupied HU | 10,153 (49.8%) |
| Renter Occupied HU | 8,289 (40.6%) |
| Vacant Housing Units | 1,956 ( 9.6%) |
| Median Home Value | $214,919 |
| Average Home Value | $245,680 |
Housing Distribution
Address Breakdown
Residential
19,033
Single Family
17,982
Multi-Family
1,051
Businesses
1,316
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brian Brockman • Williams & Williams Real Estate Auctions
Mls Name: My State MLS
Mls ID: #11256669