520 Ross StHarrisburgSD57032
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 520 Ross St, Harrisburg, SD, 57032 in Harrisburg earns a 9.63% gross yield at $246,500. Rent of $1,979/mo nets $286/mo after the $1,108/mo mortgage. The 1.79 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $68,103 and $2,270/yr in equity accumulation project a total cumulative return of $112,648.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.1% |
| Monthly Cash Flow | $286 | $420 |
City averages based on Harrisburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,979 |
| Total Monthly Debt Service | $1,595 |
| DSCR Ratio | 1.24x |
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.
Townhouse
Built in 2021
5,358 sqft lot
$N/A/sqft
$135 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57032, Harrisburg, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,609 (100%) |
| Owner Occupied HU | 2,513 (69.6%) |
| Renter Occupied HU | 827 (22.9%) |
| Vacant Housing Units | 269 ( 7.5%) |
| Median Home Value | $318,108 |
| Average Home Value | $402,048 |
Housing Distribution
Address Breakdown
Residential
3,721
Single Family
3,628
Multi-Family
93
Businesses
240
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
Townhouse
Built in 2021
5,358 sqft lot
$N/A/sqft
$135 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 57032, Harrisburg, SD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,609 (100%) |
| Owner Occupied HU | 2,513 (69.6%) |
| Renter Occupied HU | 827 (22.9%) |
| Vacant Housing Units | 269 ( 7.5%) |
| Median Home Value | $318,108 |
| Average Home Value | $402,048 |
Housing Distribution
Address Breakdown
Residential
3,721
Single Family
3,628
Multi-Family
93
Businesses
240
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices