1 Rochester Creekside SommersOfallonMO63367
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1 Rochester Creekside Sommers, Ofallon, MO, 63367 in Ofallon at $432,990 earns $2,796/mo in rent and nets $51/mo after the $1,947/mo payment, a 7.75% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $119,627 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $3,988/yr in principal paydown, total projected return reaches $170,659.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.5% |
| Monthly Cash Flow | $51 | $300 |
City averages based on Ofallon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,796 |
| Total Monthly Debt Service | $2,524 |
| DSCR Ratio | 1.11x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63367, Lake Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,707 (100%) |
| Owner Occupied HU | 9,464 (74.5%) |
| Renter Occupied HU | 2,567 (20.2%) |
| Vacant Housing Units | 676 ( 5.3%) |
| Median Home Value | $422,527 |
| Average Home Value | $461,911 |
Housing Distribution
Address Breakdown
Residential
11,959
Single Family
11,024
Multi-Family
935
Businesses
478
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63367, Lake Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,707 (100%) |
| Owner Occupied HU | 9,464 (74.5%) |
| Renter Occupied HU | 2,567 (20.2%) |
| Vacant Housing Units | 676 ( 5.3%) |
| Median Home Value | $422,527 |
| Average Home Value | $461,911 |
Housing Distribution
Address Breakdown
Residential
11,959
Single Family
11,024
Multi-Family
935
Businesses
478
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices