4994 E 20th StJoplinMO64801
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4994 E 20th St, Joplin, MO, 64801 in Joplin at $129,000 earns $983/mo in rent and nets $180/mo after the $580/mo payment, a 9.14% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $35,640 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $1,188/yr in principal paydown, total projected return reaches $60,492.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.8% |
| Monthly Cash Flow | $180 | $320 |
City averages based on Joplin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $983 |
| Total Monthly Debt Service | $752 |
| DSCR Ratio | 1.31x |
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 1970
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64801, Joplin, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,109 (100%) |
| Owner Occupied HU | 8,513 (49.8%) |
| Renter Occupied HU | 6,875 (40.2%) |
| Vacant Housing Units | 1,721 (10.1%) |
| Median Home Value | $200,081 |
| Average Home Value | $236,329 |
Housing Distribution
Address Breakdown
Residential
15,579
Single Family
14,670
Multi-Family
909
Businesses
1,693
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 1970
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64801, Joplin, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,109 (100%) |
| Owner Occupied HU | 8,513 (49.8%) |
| Renter Occupied HU | 6,875 (40.2%) |
| Vacant Housing Units | 1,721 (10.1%) |
| Median Home Value | $200,081 |
| Average Home Value | $236,329 |
Housing Distribution
Address Breakdown
Residential
15,579
Single Family
14,670
Multi-Family
909
Businesses
1,693
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices