636 Shepherd RdLawsonMO64062
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderHigh DSCR is a competitive advantage at closing. 636 Shepherd Rd, Lawson, MO, 64062 in Lawson achieves 1.61, rent of $2,562/mo covers the $1,589/mo payment 1.5x over at $353,300. Rental yield 7.17%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $97,610 over five years, with $3,254/yr in principal reduction bringing total projected return to $157,283.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(110) | $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 | $2,562 |
| Total Monthly Debt Service | $2,060 |
| DSCR Ratio | 1.24x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64062, Lawson, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,481 (100%) |
| Owner Occupied HU | 1,959 (79.0%) |
| Renter Occupied HU | 368 (14.8%) |
| Vacant Housing Units | 154 ( 6.2%) |
| Median Home Value | $278,096 |
| Average Home Value | $314,432 |
Housing Distribution
Address Breakdown
Residential
2,264
Single Family
2,208
Multi-Family
56
Businesses
103
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64062, Lawson, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,481 (100%) |
| Owner Occupied HU | 1,959 (79.0%) |
| Renter Occupied HU | 368 (14.8%) |
| Vacant Housing Units | 154 ( 6.2%) |
| Median Home Value | $278,096 |
| Average Home Value | $314,432 |
Housing Distribution
Address Breakdown
Residential
2,264
Single Family
2,208
Multi-Family
56
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices