195 Harvest Moon Ct UNIT CSaint CharlesMO63304
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.73 makes 195 Harvest Moon Ct UNIT C, Saint Charles, MO, 63304 in Saint Charles one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 9.36%. The 9.36% yield, 5% annual appreciation ($39,232 over five years), and $1,308/yr in principal reduction project a total cumulative return of $68,241.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.8% |
| Monthly Cash Flow | $(60) | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,108 |
| Total Monthly Debt Service | $828 |
| DSCR Ratio | 1.34x |
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.
Condo
Built in 1990
518.36 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63304, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,153 (100%) |
| Owner Occupied HU | 14,356 (83.7%) |
| Renter Occupied HU | 2,290 (13.4%) |
| Vacant Housing Units | 507 ( 3.0%) |
| Median Home Value | $364,905 |
| Average Home Value | $408,403 |
Housing Distribution
Address Breakdown
Residential
16,807
Single Family
16,028
Multi-Family
779
Businesses
948
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 1990
518.36 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63304, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,153 (100%) |
| Owner Occupied HU | 14,356 (83.7%) |
| Renter Occupied HU | 2,290 (13.4%) |
| Vacant Housing Units | 507 ( 3.0%) |
| Median Home Value | $364,905 |
| Average Home Value | $408,403 |
Housing Distribution
Address Breakdown
Residential
16,807
Single Family
16,028
Multi-Family
779
Businesses
948
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joni M West • Plaza Real Estate, LLC
Mls Name: MARIS
Mls ID: #26003728