8400 E 1320 RoadStocktonMO65785
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 8400 E 1320 Road, Stockton, MO, 65785 in Stockton is capital appreciation. Rental yield 1.55%. The 1.55% gross yield at $890,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $245,891 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.29) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $55,037.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 6.2% |
| Monthly Cash Flow | $(4,392) | $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 | $1,151 |
| Total Monthly Debt Service | $5,189 |
| DSCR Ratio | 0.22x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2011
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65785, Stockton, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,845 (100%) |
| Owner Occupied HU | 1,745 (61.3%) |
| Renter Occupied HU | 477 (16.8%) |
| Vacant Housing Units | 623 (21.9%) |
| Median Home Value | $216,472 |
| Average Home Value | $265,802 |
Housing Distribution
Address Breakdown
Residential
2,369
Single Family
2,299
Multi-Family
70
Businesses
253
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 2011
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65785, Stockton, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,845 (100%) |
| Owner Occupied HU | 1,745 (61.3%) |
| Renter Occupied HU | 477 (16.8%) |
| Vacant Housing Units | 623 (21.9%) |
| Median Home Value | $216,472 |
| Average Home Value | $265,802 |
Housing Distribution
Address Breakdown
Residential
2,369
Single Family
2,299
Multi-Family
70
Businesses
253
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices