1627 S 10th StSaint JosephMO64503
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe income profile at 1627 S 10th St, Saint Joseph, MO, 64503 in Saint Joseph is straightforward: $109,900 in, $960/mo in rent, $276/mo out after debt service. The 10.48% gross yield and 1.94 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $30,363 by year five. With $1,012/yr in principal equity, the total cumulative return is projected at $59,464.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $276 | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $960 |
| Total Monthly Debt Service | $641 |
| DSCR Ratio | 1.50x |
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.
Multi Family
Built in 1900
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64503, Saint Joseph, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,667 (100%) |
| Owner Occupied HU | 3,257 (57.5%) |
| Renter Occupied HU | 1,651 (29.1%) |
| Vacant Housing Units | 759 (13.4%) |
| Median Home Value | $161,031 |
| Average Home Value | $181,612 |
Housing Distribution
Address Breakdown
Residential
5,509
Single Family
5,236
Multi-Family
273
Businesses
358
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
Multi Family
Built in 1900
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64503, Saint Joseph, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,667 (100%) |
| Owner Occupied HU | 3,257 (57.5%) |
| Renter Occupied HU | 1,651 (29.1%) |
| Vacant Housing Units | 759 (13.4%) |
| Median Home Value | $161,031 |
| Average Home Value | $181,612 |
Housing Distribution
Address Breakdown
Residential
5,509
Single Family
5,236
Multi-Family
273
Businesses
358
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tammy O'MEARA-CHAMBERS • Top Property Realty, LLC
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2602780