499 Turkey Tree RoadGalenaMO65656
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play499 Turkey Tree Road, Galena, MO, 65656 in Galena is priced for appreciation, not yield. Rental yield 2.78%. At $829,000 with a 2.78% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $229,037 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.52) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $105,854.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 6.2% |
| Monthly Cash Flow | $(3,273) | $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 | $1,921 |
| Total Monthly Debt Service | $4,833 |
| DSCR Ratio | 0.40x |
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 1976
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65656, Galena, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,781 (100%) |
| Owner Occupied HU | 1,711 (61.5%) |
| Renter Occupied HU | 286 (10.3%) |
| Vacant Housing Units | 784 (28.2%) |
| Median Home Value | $252,044 |
| Average Home Value | $320,384 |
Housing Distribution
Address Breakdown
Residential
2,236
Single Family
2,236
Multi-Family
0
Businesses
63
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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 1976
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65656, Galena, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,781 (100%) |
| Owner Occupied HU | 1,711 (61.5%) |
| Renter Occupied HU | 286 (10.3%) |
| Vacant Housing Units | 784 (28.2%) |
| Median Home Value | $252,044 |
| Average Home Value | $320,384 |
Housing Distribution
Address Breakdown
Residential
2,236
Single Family
2,236
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices