1212 Cunningham AveSaint CharlesMO63301
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1212 Cunningham Ave, Saint Charles, MO, 63301 in Saint Charles. Priced at $235,000, it generates $1,978/mo in gross rent and $514/mo in net monthly cash flow, a 10.1% yield that comfortably supports the 1.87 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,169. Five-year appreciation: $64,926. Equity from principal paydown: $2,164/yr. Total projected cumulative return: $122,252.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 5.8% |
| Monthly Cash Flow | $514 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,978 |
| Total Monthly Debt Service | $1,370 |
| DSCR Ratio | 1.44x |
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 1957
9,944 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
Single Family
Built in 1957
9,944 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sandra M Schuchardt • All In Realty LLC
Mls Name: MARIS
Mls ID: #25072436