307 E College StOdessaMO64076
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 307 E College St, Odessa, MO, 64076 in Odessa at $232,000 earns $1,638/mo in rent and nets $193/mo after the $1,043/mo payment, a 8.47% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $64,097 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $2,137/yr in principal paydown, total projected return reaches $100,471.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $193 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,638 |
| Total Monthly Debt Service | $1,353 |
| DSCR Ratio | 1.21x |
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 1962
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64076, Odessa, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,872 (100%) |
| Owner Occupied HU | 2,703 (69.8%) |
| Renter Occupied HU | 920 (23.8%) |
| Vacant Housing Units | 249 ( 6.4%) |
| Median Home Value | $250,217 |
| Average Home Value | $272,095 |
Housing Distribution
Address Breakdown
Residential
4,020
Single Family
4,019
Multi-Family
1
Businesses
265
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 1962
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64076, Odessa, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,872 (100%) |
| Owner Occupied HU | 2,703 (69.8%) |
| Renter Occupied HU | 920 (23.8%) |
| Vacant Housing Units | 249 ( 6.4%) |
| Median Home Value | $250,217 |
| Average Home Value | $272,095 |
Housing Distribution
Address Breakdown
Residential
4,020
Single Family
4,019
Multi-Family
1
Businesses
265
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices