145 Ruth DrFlorissantMO63031
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 145 Ruth Dr, Florissant, MO, 63031 in Florissant speaks for itself: 11.91% gross on a $159,900 price, generating $1,586/mo in rent and $591/mo in net income after the $719/mo debt service. DSCR 2.21, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,087 stacks alongside $44,177 in projected five-year appreciation and $1,473/yr in principal reduction. Projected total cumulative return: $98,647.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.8% |
| Monthly Cash Flow | $591 | $450 |
City averages based on Florissant market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,586 |
| Total Monthly Debt Service | $932 |
| DSCR Ratio | 1.70x |
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 1958
7,501 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63031, Florissant, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,080 (100%) |
| Owner Occupied HU | 13,094 (65.2%) |
| Renter Occupied HU | 5,830 (29.0%) |
| Vacant Housing Units | 1,156 ( 5.8%) |
| Median Home Value | $168,493 |
| Average Home Value | $236,991 |
Housing Distribution
Address Breakdown
Residential
18,929
Single Family
17,115
Multi-Family
1,814
Businesses
794
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 1958
7,501 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63031, Florissant, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,080 (100%) |
| Owner Occupied HU | 13,094 (65.2%) |
| Renter Occupied HU | 5,830 (29.0%) |
| Vacant Housing Units | 1,156 ( 5.8%) |
| Median Home Value | $168,493 |
| Average Home Value | $236,991 |
Housing Distribution
Address Breakdown
Residential
18,929
Single Family
17,115
Multi-Family
1,814
Businesses
794
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dan Clarkin • Coldwell Banker Realty - Gundaker
Mls Name: MARIS
Mls ID: #25066373