122 Sue LnSaint CharlesMO63301
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 122 Sue Ln, Saint Charles, MO, 63301 in Saint Charles worth modelling. At $225,000 with a 8.31% gross yield, the $1,558/mo rent leaves $157/mo after the $1,012/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.54 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $62,163 by year five; $2,072/yr in principal reduction adds further equity. Total projected return: $95,424.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.8% |
| Monthly Cash Flow | $157 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,558 |
| Total Monthly Debt Service | $1,312 |
| DSCR Ratio | 1.19x |
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 1956
7,501 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 1956
7,501 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa F Dickerson • Nettwork Global
Mls Name: MARIS
Mls ID: #25032257