634 Hobbs RdJefferson CityMO65109
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 634 Hobbs Rd, Jefferson City, MO, 65109 in Jefferson City is narrow, $150/mo net on $2,486/mo rent after the $1,506/mo debt service, but the property operates at break-even-plus, not a loss. At $335,000 with a 8.91% yield, the long-run equity case via 5% appreciation ($92,554 over five years) and $3,085/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.65 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $152,857.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.8% |
| Monthly Cash Flow | $150 | $450 |
City averages based on Jefferson City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,486 |
| Total Monthly Debt Service | $1,953 |
| DSCR Ratio | 1.27x |
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.
Condo
Built in 1987
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65109, Jefferson City, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,371 (100%) |
| Owner Occupied HU | 11,429 (62.2%) |
| Renter Occupied HU | 5,698 (31.0%) |
| Vacant Housing Units | 1,244 ( 6.8%) |
| Median Home Value | $244,431 |
| Average Home Value | $264,112 |
Housing Distribution
Address Breakdown
Residential
18,067
Single Family
16,948
Multi-Family
1,119
Businesses
1,395
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
Condo
Built in 1987
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65109, Jefferson City, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,371 (100%) |
| Owner Occupied HU | 11,429 (62.2%) |
| Renter Occupied HU | 5,698 (31.0%) |
| Vacant Housing Units | 1,244 ( 6.8%) |
| Median Home Value | $244,431 |
| Average Home Value | $264,112 |
Housing Distribution
Address Breakdown
Residential
18,067
Single Family
16,948
Multi-Family
1,119
Businesses
1,395
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: JCMLS
Mls ID: #10072414