1818 Sapling DrO'FallonMO63366
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 1818 Sapling Dr, O'Fallon, MO, 63366 in O'Fallon earns a 9.1% gross yield at $425,000. Rent of $3,224/mo nets $540/mo after the $1,911/mo mortgage. The 1.69 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $117,420 and $3,914/yr in equity accumulation project a total cumulative return of $198,419.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.5% |
| Monthly Cash Flow | $540 | $300 |
City averages based on O'Fallon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,224 |
| Total Monthly Debt Service | $2,478 |
| DSCR Ratio | 1.30x |
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 1997
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63366, O Fallon, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,428 (100%) |
| Owner Occupied HU | 16,734 (78.1%) |
| Renter Occupied HU | 4,082 (19.0%) |
| Vacant Housing Units | 612 ( 2.9%) |
| Median Home Value | $323,320 |
| Average Home Value | $344,502 |
Housing Distribution
Address Breakdown
Residential
21,098
Single Family
19,910
Multi-Family
1,188
Businesses
1,389
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 1997
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63366, O Fallon, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,428 (100%) |
| Owner Occupied HU | 16,734 (78.1%) |
| Renter Occupied HU | 4,082 (19.0%) |
| Vacant Housing Units | 612 ( 2.9%) |
| Median Home Value | $323,320 |
| Average Home Value | $344,502 |
Housing Distribution
Address Breakdown
Residential
21,098
Single Family
19,910
Multi-Family
1,188
Businesses
1,389
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices