1 Rockport Creekside SommersOfallonMO63367
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.14% yield at 1 Rockport Creekside Sommers, Ofallon, MO, 63367 in Ofallon is solid, but the $1,853/mo payment compresses net cash flow to $182/mo at $411,990. 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 $113,825 by year five, and $3,794/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.51) without U.S. income documentation. Total projected return: $171,083.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.5% |
| Monthly Cash Flow | $182 | $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 | $2,402 |
| DSCR Ratio | 1.16x |
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