12072 Rosemist DrSaint LouisMO63138
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 12072 Rosemist Dr, Saint Louis, MO, 63138 in Saint Louis: $1,860/mo in rent, $205/mo in net income, 8.4% gross yield, 1.56 DSCR, all at $265,800. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $73,436 in appreciation and $2,448/yr in principal paydown projects total cumulative return of $114,018.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.8% |
| Monthly Cash Flow | $205 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,860 |
| Total Monthly Debt Service | $1,550 |
| DSCR Ratio | 1.20x |
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 1972
9,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63138, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,940 (100%) |
| Owner Occupied HU | 3,365 (37.6%) |
| Renter Occupied HU | 3,903 (43.7%) |
| Vacant Housing Units | 1,672 (18.7%) |
| Median Home Value | $168,823 |
| Average Home Value | $215,310 |
Housing Distribution
Address Breakdown
Residential
7,537
Single Family
6,960
Multi-Family
577
Businesses
282
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 1972
9,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63138, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,940 (100%) |
| Owner Occupied HU | 3,365 (37.6%) |
| Renter Occupied HU | 3,903 (43.7%) |
| Vacant Housing Units | 1,672 (18.7%) |
| Median Home Value | $168,823 |
| Average Home Value | $215,310 |
Housing Distribution
Address Breakdown
Residential
7,537
Single Family
6,960
Multi-Family
577
Businesses
282
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lillie M Harvey • Harvey & Co Real Estate
Mls Name: MARIS
Mls ID: #25061415