1646 Napoleon DrBonne TerreMO63628
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing1646 Napoleon Dr, Bonne Terre, MO, 63628 in Bonne Terre is a stable, well-positioned rental at $185,000. Rental yield 6.91%. DSCR 1.28 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $51,112 in value and $1,704/yr in principal paydown builds equity, a total projected return of $64,661.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.2% |
| Monthly Cash Flow | $(87) | $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 | $1,066 |
| Total Monthly Debt Service | $1,079 |
| DSCR Ratio | 0.99x |
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 2001
2,683 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63628, Bonne Terre, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,714 (100%) |
| Owner Occupied HU | 4,282 (63.8%) |
| Renter Occupied HU | 1,394 (20.8%) |
| Vacant Housing Units | 1,038 (15.5%) |
| Median Home Value | $195,322 |
| Average Home Value | $254,066 |
Housing Distribution
Address Breakdown
Residential
6,149
Single Family
6,128
Multi-Family
21
Businesses
297
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 2001
2,683 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63628, Bonne Terre, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,714 (100%) |
| Owner Occupied HU | 4,282 (63.8%) |
| Renter Occupied HU | 1,394 (20.8%) |
| Vacant Housing Units | 1,038 (15.5%) |
| Median Home Value | $195,322 |
| Average Home Value | $254,066 |
Housing Distribution
Address Breakdown
Residential
6,149
Single Family
6,128
Multi-Family
21
Businesses
297
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tracey Wibbenmeyer • RE/MAX Best Choice
Mls Name: MARIS
Mls ID: #25061621