509 S High StCaliforniaMO65018
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 509 S High St, California, MO, 65018 in California is narrow, $183/mo net on $1,054/mo rent after the $629/mo debt service, but the property operates at break-even-plus, not a loss. At $139,900 with a 9.04% yield, the long-run equity case via 5% appreciation ($38,652 over five years) and $1,288/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.68 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $64,864.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $183 | $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 | $1,054 |
| Total Monthly Debt Service | $816 |
| DSCR Ratio | 1.29x |
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 1920
5,512 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65018, California, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,466 (100%) |
| Owner Occupied HU | 2,434 (70.2%) |
| Renter Occupied HU | 777 (22.4%) |
| Vacant Housing Units | 255 ( 7.4%) |
| Median Home Value | $196,333 |
| Average Home Value | $229,646 |
Housing Distribution
Address Breakdown
Residential
3,339
Single Family
3,339
Multi-Family
0
Businesses
284
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 1920
5,512 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65018, California, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,466 (100%) |
| Owner Occupied HU | 2,434 (70.2%) |
| Renter Occupied HU | 777 (22.4%) |
| Vacant Housing Units | 255 ( 7.4%) |
| Median Home Value | $196,333 |
| Average Home Value | $229,646 |
Housing Distribution
Address Breakdown
Residential
3,339
Single Family
3,339
Multi-Family
0
Businesses
284
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: JCMLS
Mls ID: #10072651