58 Stingray LanePontiacMO65729
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 58 Stingray Lane, Pontiac, MO, 65729 in Pontiac is listed at $149,900 and delivers $1,216/mo in rent and $282/mo in net monthly cash flow. The 9.73% yield and 1.80 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $41,415 over five years, and $1,381/yr in principal reduction supplements cash return. Total projected cumulative return: $75,095.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $282 | $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 | $1,216 |
| Total Monthly Debt Service | $874 |
| DSCR Ratio | 1.39x |
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 2007
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65729, Pontiac, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 242 (100%) |
| Owner Occupied HU | 104 (43.0%) |
| Renter Occupied HU | 20 ( 8.3%) |
| Vacant Housing Units | 118 (48.8%) |
| Median Home Value | $188,889 |
| Average Home Value | $214,111 |
Housing Distribution
Address Breakdown
Residential
147
Single Family
147
Multi-Family
0
Businesses
9
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 2007
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65729, Pontiac, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 242 (100%) |
| Owner Occupied HU | 104 (43.0%) |
| Renter Occupied HU | 20 ( 8.3%) |
| Vacant Housing Units | 118 (48.8%) |
| Median Home Value | $188,889 |
| Average Home Value | $214,111 |
Housing Distribution
Address Breakdown
Residential
147
Single Family
147
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices