1121 S Main St #215Saint CharlesMO63301
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 1121 S Main St #215, Saint Charles, MO, 63301 in Saint Charles. Rental yield 5.13%. At $255,000 with 5.13% gross yield, current distributions are modest, but the 5% appreciation rate projects $70,452 in new equity by year five, complemented by $2,349/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.95) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $64,667.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 5.8% |
| Monthly Cash Flow | $(689) | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,090 |
| Total Monthly Debt Service | $1,487 |
| DSCR Ratio | 0.73x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
7,000 sqft lot
$N/A/sqft
No HOA
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 2026
7,000 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Katie McLaughlin • Dielmann Sotheby's International Realty
Mls Name: MARIS
Mls ID: #26006220