1123 Spring Orchard DrO'FallonMO63368
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 1123 Spring Orchard Dr, O'Fallon, MO, 63368 in O'Fallon delivers $3,223/mo in gross rent and $595/mo in net monthly income at a $404,900 entry. The 9.55% yield and 1.77 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $111,866 over five years and $3,729/yr in equity from loan paydown, total projected return is $192,335.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.5% |
| Monthly Cash Flow | $595 | $300 |
City averages based on O'Fallon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,223 |
| Total Monthly Debt Service | $2,467 |
| DSCR Ratio | 1.31x |
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 2004
8,276 sqft lot
$N/A/sqft
$250 annually 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
Single Family
Built in 2004
8,276 sqft lot
$N/A/sqft
$250 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tellee C Warren • Keyrenter St. Louis West
Mls Name: MARIS
Mls Provider:
Mls ID: #25028531
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