512 S Commercial StSmithvilleMO64089
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 512 S Commercial St, Smithville, MO, 64089 in Smithville: $2,594/mo in rent, $538/mo in net income, 9.47% gross yield, 1.76 DSCR, all at $328,800. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $90,841 in appreciation and $3,028/yr in principal paydown projects total cumulative return of $159,401.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $538 | $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 | $2,594 |
| Total Monthly Debt Service | $1,926 |
| DSCR Ratio | 1.35x |
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 2002
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64089, Smithville, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,489 (100%) |
| Owner Occupied HU | 4,430 (80.7%) |
| Renter Occupied HU | 891 (16.2%) |
| Vacant Housing Units | 168 ( 3.1%) |
| Median Home Value | $363,821 |
| Average Home Value | $447,894 |
Housing Distribution
Address Breakdown
Residential
5,436
Single Family
5,436
Multi-Family
0
Businesses
366
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 2002
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64089, Smithville, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,489 (100%) |
| Owner Occupied HU | 4,430 (80.7%) |
| Renter Occupied HU | 891 (16.2%) |
| Vacant Housing Units | 168 ( 3.1%) |
| Median Home Value | $363,821 |
| Average Home Value | $447,894 |
Housing Distribution
Address Breakdown
Residential
5,436
Single Family
5,436
Multi-Family
0
Businesses
366
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A