130 Country Trace CtSaint PetersMO63304
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 130 Country Trace Ct, Saint Peters, MO, 63304 in Saint Peters is the 1.74 coverage ratio: rent of $1,425/mo versus a $818/mo debt payment on a $181,900 property. Rental yield 9.4%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $50,256 by year five, with $1,675/yr in equity from paydown. Total projected cumulative return: $65,683.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $(77) | $820 |
City averages based on Saint Peters market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,425 |
| Total Monthly Debt Service | $1,429 |
| DSCR Ratio | 1.00x |
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 1993
522.72 sqft lot
$N/A/sqft
$304 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63304, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,153 (100%) |
| Owner Occupied HU | 14,356 (83.7%) |
| Renter Occupied HU | 2,290 (13.4%) |
| Vacant Housing Units | 507 ( 3.0%) |
| Median Home Value | $364,905 |
| Average Home Value | $408,403 |
Housing Distribution
Address Breakdown
Residential
16,807
Single Family
16,028
Multi-Family
779
Businesses
948
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 1993
522.72 sqft lot
$N/A/sqft
$304 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63304, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,153 (100%) |
| Owner Occupied HU | 14,356 (83.7%) |
| Renter Occupied HU | 2,290 (13.4%) |
| Vacant Housing Units | 507 ( 3.0%) |
| Median Home Value | $364,905 |
| Average Home Value | $408,403 |
Housing Distribution
Address Breakdown
Residential
16,807
Single Family
16,028
Multi-Family
779
Businesses
948
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matt Muren • Berkshire Hathaway HomeServices Select Properties
Mls Name: MARIS
Mls Provider:
Mls ID: #25035643
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