8643 Sapper StreetWinonaMO65588
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 8643 Sapper Street, Winona, MO, 65588 in Winona is narrow, $29/mo net on $962/mo rent after the $674/mo debt service, but the property operates at break-even-plus, not a loss. At $149,900 with a 7.7% yield, the long-run equity case via 5% appreciation ($41,415 over five years) and $1,381/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $58,763.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $29 | $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 | $962 |
| Total Monthly Debt Service | $874 |
| DSCR Ratio | 1.10x |
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 1925
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65588, Winona, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 950 (100%) |
| Owner Occupied HU | 636 (66.9%) |
| Renter Occupied HU | 185 (19.5%) |
| Vacant Housing Units | 129 (13.6%) |
| Median Home Value | $190,217 |
| Average Home Value | $234,941 |
Housing Distribution
Address Breakdown
Residential
785
Single Family
785
Multi-Family
0
Businesses
67
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 1925
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65588, Winona, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 950 (100%) |
| Owner Occupied HU | 636 (66.9%) |
| Renter Occupied HU | 185 (19.5%) |
| Vacant Housing Units | 129 (13.6%) |
| Median Home Value | $190,217 |
| Average Home Value | $234,941 |
Housing Distribution
Address Breakdown
Residential
785
Single Family
785
Multi-Family
0
Businesses
67
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices