12420 Rott Rd Unit 2ASaint LouisMO63127
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 12420 Rott Rd Unit 2A, Saint Louis, MO, 63127 in Saint Louis worth study. Rental yield 3.48%. The 3.48% gross yield is below cash-flow benchmarks at $765,000, but 5% annual appreciation, adding $211,355 over five years, frames this as a capital growth position. Rent of $2,220/mo partially offsets the $3,440/mo payment. Ziffy Mortgage finances appreciation-play properties (0.65 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $126,466.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 7.8% |
| Monthly Cash Flow | $(3,748) | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,220 |
| Total Monthly Debt Service | $4,460 |
| 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 2005
7,322 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63127, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,141 (100%) |
| Owner Occupied HU | 1,654 (77.3%) |
| Renter Occupied HU | 358 (16.7%) |
| Vacant Housing Units | 129 ( 6.0%) |
| Median Home Value | $558,943 |
| Average Home Value | $585,038 |
Housing Distribution
Address Breakdown
Residential
2,390
Single Family
1,846
Multi-Family
544
Businesses
554
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 2005
7,322 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63127, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,141 (100%) |
| Owner Occupied HU | 1,654 (77.3%) |
| Renter Occupied HU | 358 (16.7%) |
| Vacant Housing Units | 129 ( 6.0%) |
| Median Home Value | $558,943 |
| Average Home Value | $585,038 |
Housing Distribution
Address Breakdown
Residential
2,390
Single Family
1,846
Multi-Family
544
Businesses
554
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nancy D Schmidt • Coldwell Banker Realty - Gundaker
Mls Name: MARIS
Mls ID: #26003668