443 Nathan CtSturgisSD57785
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 443 Nathan Ct, Sturgis, SD, 57785 in Sturgis. Priced at $130,000, it generates $1,639/mo in gross rent and $818/mo in net monthly cash flow, a 15.13% yield that comfortably supports the 2.80 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,812. Five-year appreciation: $35,917. Equity from principal paydown: $1,197/yr. Total projected cumulative return: $101,957.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.1% | 6.8% |
| Monthly Cash Flow | $818 | $450 |
City averages based on Sturgis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,639 |
| Total Monthly Debt Service | $770 |
| DSCR Ratio | 2.13x |
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.
Manufactured
Built in 2000
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57785, Sturgis, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,258 (100%) |
| Owner Occupied HU | 3,225 (61.3%) |
| Renter Occupied HU | 1,384 (26.3%) |
| Vacant Housing Units | 649 (12.3%) |
| Median Home Value | $320,252 |
| Average Home Value | $346,612 |
Housing Distribution
Address Breakdown
Residential
4,645
Single Family
4,210
Multi-Family
435
Businesses
509
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
Manufactured
Built in 2000
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57785, Sturgis, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,258 (100%) |
| Owner Occupied HU | 3,225 (61.3%) |
| Renter Occupied HU | 1,384 (26.3%) |
| Vacant Housing Units | 649 (12.3%) |
| Median Home Value | $320,252 |
| Average Home Value | $346,612 |
Housing Distribution
Address Breakdown
Residential
4,645
Single Family
4,210
Multi-Family
435
Businesses
509
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Seth Niederwerder • Keller Williams Realty Black Hills SP
Mls Name: Mount Rushmore Area AOR
Mls Provider:
Mls ID: #84876
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