4522 Stonington CtColumbiaMO65203
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4522 Stonington Ct, Columbia, MO, 65203 in Columbia. Rental yield 3.06%. At $1,078,000 with 3.06% gross yield, current distributions are modest, but the 5% appreciation rate projects $297,832 in new equity by year five, complemented by $9,928/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.57) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $151,331.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.8% |
| Monthly Cash Flow | $(4,006) | $1,420 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,749 |
| Total Monthly Debt Service | $6,326 |
| DSCR Ratio | 0.43x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2025
0.50 Acres lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65203, Columbia, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,145 (100%) |
| Owner Occupied HU | 16,343 (58.1%) |
| Renter Occupied HU | 10,196 (36.2%) |
| Vacant Housing Units | 1,606 ( 5.7%) |
| Median Home Value | $359,387 |
| Average Home Value | $390,189 |
Housing Distribution
Address Breakdown
Residential
27,098
Single Family
24,669
Multi-Family
2,429
Businesses
1,354
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 2025
0.50 Acres lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65203, Columbia, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,145 (100%) |
| Owner Occupied HU | 16,343 (58.1%) |
| Renter Occupied HU | 10,196 (36.2%) |
| Vacant Housing Units | 1,606 ( 5.7%) |
| Median Home Value | $359,387 |
| Average Home Value | $390,189 |
Housing Distribution
Address Breakdown
Residential
27,098
Single Family
24,669
Multi-Family
2,429
Businesses
1,354
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Orie Hemme • Copper Creek Realty
Mls Name: CBORMLS
Mls Provider:
Mls ID: #426578
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. Information is deemed reliable but not guaranteed.