13256 Pebble Ridge DrSaint LouisMO63141
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 13256 Pebble Ridge Dr, Saint Louis, MO, 63141 in Saint Louis at $739,000 earns $4,620/mo in rent and nets $18/mo after the $3,323/mo payment, a 7.5% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $204,172 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $6,806/yr in principal paydown, total projected return reaches $281,488.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 7.8% |
| Monthly Cash Flow | $18 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,620 |
| Total Monthly Debt Service | $4,308 |
| DSCR Ratio | 1.07x |
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 1970
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63141, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,240 (100%) |
| Owner Occupied HU | 6,413 (69.4%) |
| Renter Occupied HU | 2,228 (24.1%) |
| Vacant Housing Units | 599 ( 6.5%) |
| Median Home Value | $601,830 |
| Average Home Value | $685,010 |
Housing Distribution
Address Breakdown
Residential
9,189
Single Family
6,815
Multi-Family
2,374
Businesses
2,089
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 1970
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63141, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,240 (100%) |
| Owner Occupied HU | 6,413 (69.4%) |
| Renter Occupied HU | 2,228 (24.1%) |
| Vacant Housing Units | 599 ( 6.5%) |
| Median Home Value | $601,830 |
| Average Home Value | $685,010 |
Housing Distribution
Address Breakdown
Residential
9,189
Single Family
6,815
Multi-Family
2,374
Businesses
2,089
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sue E Ragsdale • Coldwell Banker Realty - Gundaker
Mls Name: MARIS
Mls ID: #25064467