4906 Hansen LnRapid CitySD57703
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 4906 Hansen Ln, Rapid City, SD, 57703 in Rapid City at $379,900 earns $2,119/mo in rent and nets $51/mo after the $1,708/mo payment, a 7.74% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $104,959 over five years. Ziffy Mortgage underwrites this on a 1.24 DSCR without U.S. credit history. With $3,499/yr in principal paydown, total projected return reaches $126,165.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.8% |
| Monthly Cash Flow | $51 | $1,250 |
City averages based on Rapid City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,119 |
| Total Monthly Debt Service | $2,250 |
| DSCR Ratio | 0.94x |
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 2000
7,840 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 2000
7,840 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: STUART MARTIN • RE/MAX RESULTS
Mls Name: Black Hills AOR
Mls Provider:
Mls ID: #173410
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