625 Oneil StStark CityMO64866
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 625 Oneil St, Stark City, MO, 64866 in Stark City is narrow, $186/mo net on $1,836/mo rent after the $1,256/mo debt service, but the property operates at break-even-plus, not a loss. At $264,900 with a 8.32% yield, the long-run equity case via 5% appreciation ($73,187 over five years) and $2,221/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $107,492.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $186 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,836 |
| Total Monthly Debt Service | $1,609 |
| DSCR Ratio | 1.14x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1965
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64866, Stark City, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 548 (100%) |
| Owner Occupied HU | 375 (68.4%) |
| Renter Occupied HU | 99 (18.1%) |
| Vacant Housing Units | 74 (13.5%) |
| Median Home Value | $158,446 |
| Average Home Value | $190,653 |
Housing Distribution
Address Breakdown
Residential
530
Single Family
530
Multi-Family
0
Businesses
20
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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
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Listed by: N/A • N/A
Mls Name: Ozark Gateway AOR
Mls Provider:
Mls ID: #265394
