128 S Ryans WaySaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 128 S Ryans Way, Saint Joseph, MO, 64506 in Saint Joseph worth study. Rental yield 5.21%. The 5.21% gross yield is below cash-flow benchmarks at $235,000, but 5% annual appreciation, adding $64,926 over five years, frames this as a capital growth position. Rent of $1,020/mo partially offsets the $1,057/mo payment. Ziffy Mortgage finances appreciation-play properties (0.96 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $60,608.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(542) | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,020 |
| Total Monthly Debt Service | $1,370 |
| DSCR Ratio | 0.74x |
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.
Townhouse
Built in 1987
4,356 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
Townhouse
Built in 1987
4,356 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2621187