1832 Union StSaint JosephMO64501
INVESTMENT ANALYSIS
Investment Verdict
Solid Income1832 Union St, Saint Joseph, MO, 64501 in Saint Joseph is a solid income-producing rental, 9.94% gross yield, $1,159/mo rent, $287/mo net cash flow on a $139,950 buy. DSCR 1.84 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $38,666 and $1,289/yr in principal reduction project a total cumulative return of $71,648.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $287 | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,159 |
| Total Monthly Debt Service | $816 |
| DSCR Ratio | 1.42x |
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 1954
8,066 sqft lot
$N/A/sqft
No HOA
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 1954
8,066 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Scott Riga • Chartwell Realty LLC
Mls Name: HKMMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #2536350
Disclaimer: Based on information submitted to the MLS GRID as of 2025-03-17 10:07:44 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. Prices displayed on all Sold listings are the Last Known Listing Price and may not be the actual selling price. [Click here for more information](/mls-disclaimers/#45) Listing Information presented by local MLS brokerage: Zillow, Inc., local REALTOR- Terry York - (913) 213-6604