523 Brookside PlHarrisburgSD57032
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 523 Brookside Pl, Harrisburg, SD, 57032 in Harrisburg at $279,500 earns $1,979/mo in rent and nets $78/mo after the $1,257/mo payment, a 8.5% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $77,221 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $2,574/yr in principal paydown, total projected return reaches $119,825.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.1% |
| Monthly Cash Flow | $78 | $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 | $1,655 |
| DSCR Ratio | 1.20x |
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 2025
N/A lot
$N/A/sqft
No 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 2025
N/A lot
$N/A/sqft
No 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
Listed by: N/A • N/A
Mls Name: Realtor Association of the Sioux Empire
Mls ID: #22600700