523 E Sanders StLa PlataMO63549
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 523 E Sanders St, La Plata, MO, 63549 in La Plata. At $144,900 it earns $1,121/mo in rent and distributes $218/mo to the owner after the $652/mo payment, a consistent 9.28% yield. DSCR 1.72 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $40,033 in value; $1,335/yr in principal paydown compounds ownership stake. Total projected return: $69,013.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $218 | $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 | $1,121 |
| Total Monthly Debt Service | $845 |
| DSCR Ratio | 1.33x |
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 1960
9,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63549, La Plata, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,119 (100%) |
| Owner Occupied HU | 678 (60.6%) |
| Renter Occupied HU | 256 (22.9%) |
| Vacant Housing Units | 185 (16.5%) |
| Median Home Value | $160,000 |
| Average Home Value | $216,066 |
Housing Distribution
Address Breakdown
Residential
1,034
Single Family
1,033
Multi-Family
1
Businesses
96
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 1960
9,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63549, La Plata, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,119 (100%) |
| Owner Occupied HU | 678 (60.6%) |
| Renter Occupied HU | 256 (22.9%) |
| Vacant Housing Units | 185 (16.5%) |
| Median Home Value | $160,000 |
| Average Home Value | $216,066 |
Housing Distribution
Address Breakdown
Residential
1,034
Single Family
1,033
Multi-Family
1
Businesses
96
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
