612 Lacy StRichlandMO65556
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow612 Lacy St, Richland, MO, 65556 in Richland earns its strong cash-flow label: 10.99% yield, $1,649/mo rent, $528/mo net income, DSCR 2.04. The $180,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $49,731 by year five. Combined with $1,658/yr in principal paydown, total projected return reaches $102,271.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $528 | $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 | $1,649 |
| Total Monthly Debt Service | $1,049 |
| DSCR Ratio | 1.57x |
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 1966
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65556, Richland, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,575 (100%) |
| Owner Occupied HU | 1,738 (67.5%) |
| Renter Occupied HU | 499 (19.4%) |
| Vacant Housing Units | 338 (13.1%) |
| Median Home Value | $197,400 |
| Average Home Value | $235,429 |
Housing Distribution
Address Breakdown
Residential
2,178
Single Family
2,178
Multi-Family
0
Businesses
131
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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 1966
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65556, Richland, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,575 (100%) |
| Owner Occupied HU | 1,738 (67.5%) |
| Renter Occupied HU | 499 (19.4%) |
| Vacant Housing Units | 338 (13.1%) |
| Median Home Value | $197,400 |
| Average Home Value | $235,429 |
Housing Distribution
Address Breakdown
Residential
2,178
Single Family
2,178
Multi-Family
0
Businesses
131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices