904 S Kirkpatrick StEl Dorado SpringsMO64744
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.09% yield at 904 S Kirkpatrick St, El Dorado Springs, MO, 64744 in El Dorado Springs is solid, but the $566/mo payment compresses net cash flow to $170/mo at $125,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $34,784 by year five, and $1,160/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.69) without U.S. income documentation. Total projected return: $58,754.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $170 | $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 | $954 |
| Total Monthly Debt Service | $734 |
| DSCR Ratio | 1.30x |
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 2025
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64744, El Dorado Springs, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,665 (100%) |
| Owner Occupied HU | 2,296 (62.6%) |
| Renter Occupied HU | 823 (22.5%) |
| Vacant Housing Units | 546 (14.9%) |
| Median Home Value | $176,087 |
| Average Home Value | $254,037 |
Housing Distribution
Address Breakdown
Residential
3,249
Single Family
3,244
Multi-Family
5
Businesses
260
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 2025
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64744, El Dorado Springs, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,665 (100%) |
| Owner Occupied HU | 2,296 (62.6%) |
| Renter Occupied HU | 823 (22.5%) |
| Vacant Housing Units | 546 (14.9%) |
| Median Home Value | $176,087 |
| Average Home Value | $254,037 |
Housing Distribution
Address Breakdown
Residential
3,249
Single Family
3,244
Multi-Family
5
Businesses
260
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan Hubbard • United Country American Heartl
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2582498