122 N Central Ave #ASaint LouisMO63105
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play122 N Central Ave #A, Saint Louis, MO, 63105 in Saint Louis is priced for appreciation, not yield. Rental yield 3.86%. At $739,000 with a 3.86% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $204,172 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.72) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $110,464.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 7.8% |
| Monthly Cash Flow | $(2,671) | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,380 |
| Total Monthly Debt Service | $4,756 |
| DSCR Ratio | 0.50x |
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 1982
2,352 sqft lot
$N/A/sqft
$448 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63105, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,214 (100%) |
| Owner Occupied HU | 4,117 (50.1%) |
| Renter Occupied HU | 3,052 (37.2%) |
| Vacant Housing Units | 1,045 (12.7%) |
| Median Home Value | $754,635 |
| Average Home Value | $864,005 |
Housing Distribution
Address Breakdown
Residential
7,179
Single Family
2,898
Multi-Family
4,281
Businesses
1,809
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 1982
2,352 sqft lot
$N/A/sqft
$448 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63105, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,214 (100%) |
| Owner Occupied HU | 4,117 (50.1%) |
| Renter Occupied HU | 3,052 (37.2%) |
| Vacant Housing Units | 1,045 (12.7%) |
| Median Home Value | $754,635 |
| Average Home Value | $864,005 |
Housing Distribution
Address Breakdown
Residential
7,179
Single Family
2,898
Multi-Family
4,281
Businesses
1,809
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angela Nobles Ritchie • Reid Group
Mls Name: MARIS
Mls Provider:
Mls ID: #25025317
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