1897 Point Oak RdSaint LouisMO63131
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1897 Point Oak Rd, Saint Louis, MO, 63131 in Saint Louis fits: $865,000, 4.08% gross yield, and a projected 5% annual appreciation rate adding $238,984 in value within five years. Rental yield 4.08%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.76) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,967/yr in principal paydown and $238,984 in appreciation project a total return of $169,935.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 7.8% |
| Monthly Cash Flow | $(2,460) | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,940 |
| Total Monthly Debt Service | $5,055 |
| DSCR Ratio | 0.58x |
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.
Single Family
Built in 1969
0.69 Acres lot
$N/A/sqft
$150 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63131, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,732 (100%) |
| Owner Occupied HU | 5,863 (87.1%) |
| Renter Occupied HU | 559 ( 8.3%) |
| Vacant Housing Units | 310 ( 4.6%) |
| Median Home Value | $689,796 |
| Average Home Value | $858,935 |
Housing Distribution
Address Breakdown
Residential
6,652
Single Family
6,405
Multi-Family
247
Businesses
1,258
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 1969
0.69 Acres lot
$N/A/sqft
$150 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63131, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,732 (100%) |
| Owner Occupied HU | 5,863 (87.1%) |
| Renter Occupied HU | 559 ( 8.3%) |
| Vacant Housing Units | 310 ( 4.6%) |
| Median Home Value | $689,796 |
| Average Home Value | $858,935 |
Housing Distribution
Address Breakdown
Residential
6,652
Single Family
6,405
Multi-Family
247
Businesses
1,258
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Irene Hasegawa • Keller Williams Realty St. Louis
Mls Name: MARIS
Mls Provider:
Mls ID: #25043695
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