10903 Village Grove Dr APT DSaint LouisMO63123
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 10903 Village Grove Dr APT D, Saint Louis, MO, 63123 in Saint Louis speaks for itself: 11.54% gross on a $204,900 price, generating $1,970/mo in rent and $694/mo in net income after the $921/mo debt service. DSCR 2.14, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,332 stacks alongside $56,610 in projected five-year appreciation and $1,887/yr in principal reduction. Projected total cumulative return: $122,412.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 7.8% |
| Monthly Cash Flow | $694 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,970 |
| Total Monthly Debt Service | $1,195 |
| DSCR Ratio | 1.65x |
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.
Condo
Built in 1987
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63123, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,662 (100%) |
| Owner Occupied HU | 16,577 (70.1%) |
| Renter Occupied HU | 5,902 (24.9%) |
| Vacant Housing Units | 1,183 ( 5.0%) |
| Median Home Value | $227,729 |
| Average Home Value | $271,454 |
Housing Distribution
Address Breakdown
Residential
23,155
Single Family
19,293
Multi-Family
3,862
Businesses
941
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
Condo
Built in 1987
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63123, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,662 (100%) |
| Owner Occupied HU | 16,577 (70.1%) |
| Renter Occupied HU | 5,902 (24.9%) |
| Vacant Housing Units | 1,183 ( 5.0%) |
| Median Home Value | $227,729 |
| Average Home Value | $271,454 |
Housing Distribution
Address Breakdown
Residential
23,155
Single Family
19,293
Multi-Family
3,862
Businesses
941
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jessica M Tumminello • Tumminello Realty, LLC
Mls Name: MARIS
Mls ID: #25070423