5160 Orchid LnBlack HawkSD57718
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 5160 Orchid Ln, Black Hawk, SD, 57718 in Black Hawk. At $314,900 it earns $2,388/mo in rent and distributes $398/mo to the owner after the $1,416/mo payment, a consistent 9.1% yield. DSCR 1.69 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $87,001 in value; $2,900/yr in principal paydown compounds ownership stake. Total projected return: $145,237.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 3.1% |
| Monthly Cash Flow | $398 | $520 |
City averages based on Black Hawk market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,388 |
| Total Monthly Debt Service | $1,865 |
| DSCR Ratio | 1.28x |
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 2003
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57718, Black Hawk, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,174 (100%) |
| Owner Occupied HU | 2,560 (80.7%) |
| Renter Occupied HU | 467 (14.7%) |
| Vacant Housing Units | 147 ( 4.6%) |
| Median Home Value | $311,684 |
| Average Home Value | $333,230 |
Housing Distribution
Address Breakdown
Residential
2,850
Single Family
2,850
Multi-Family
0
Businesses
261
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 2003
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57718, Black Hawk, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,174 (100%) |
| Owner Occupied HU | 2,560 (80.7%) |
| Renter Occupied HU | 467 (14.7%) |
| Vacant Housing Units | 147 ( 4.6%) |
| Median Home Value | $311,684 |
| Average Home Value | $333,230 |
Housing Distribution
Address Breakdown
Residential
2,850
Single Family
2,850
Multi-Family
0
Businesses
261
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Mount Rushmore Area AOR
Mls ID: #88003