13748 Private Drive 3625Saint JamesMO65559
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 13748 Private Drive 3625, Saint James, MO, 65559 in Saint James is listed at $315,000 and delivers $2,468/mo in rent and $507/mo in net monthly cash flow. The 9.4% yield and 1.74 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $87,029 over five years, and $2,901/yr in principal reduction supplements cash return. Total projected cumulative return: $152,086.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $507 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,468 |
| Total Monthly Debt Service | $1,836 |
| DSCR Ratio | 1.34x |
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 1982
8.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65559, Saint James, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,210 (100%) |
| Owner Occupied HU | 2,645 (62.8%) |
| Renter Occupied HU | 1,069 (25.4%) |
| Vacant Housing Units | 496 (11.8%) |
| Median Home Value | $254,088 |
| Average Home Value | $293,945 |
Housing Distribution
Address Breakdown
Residential
3,729
Single Family
3,711
Multi-Family
18
Businesses
301
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 1982
8.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 65559, Saint James, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,210 (100%) |
| Owner Occupied HU | 2,645 (62.8%) |
| Renter Occupied HU | 1,069 (25.4%) |
| Vacant Housing Units | 496 (11.8%) |
| Median Home Value | $254,088 |
| Average Home Value | $293,945 |
Housing Distribution
Address Breakdown
Residential
3,729
Single Family
3,711
Multi-Family
18
Businesses
301
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angela K Nappier • Acar Real Estate, Inc
Mls Name: MARIS
Mls ID: #25063973