5105 Grayling CtColumbiaMO65203
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Columbia rental at 5105 Grayling Ct, Columbia, MO, 65203 sits in the solid-income band: 8.36% gross yield, $2,490/mo rent, $256/mo net after the $1,608/mo debt service, DSCR 1.55. Entry price of $357,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $98,771 and $3,293/yr in principal reduction bring total cumulative return to $152,578.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.8% |
| Monthly Cash Flow | $256 | $1,420 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,490 |
| Total Monthly Debt Service | $2,084 |
| DSCR Ratio | 1.19x |
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 2010
7,119 sqft lot
$N/A/sqft
No 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 2010
7,119 sqft lot
$N/A/sqft
No 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