20 Montauk DrSaint LouisMO63146
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 20 Montauk Dr, Saint Louis, MO, 63146 in Saint Louis deserves attention. This $365,000 property earns $1,833/mo in rent, a 10.27% gross yield, and nets $671/mo after the $1,641/mo payment. DSCR 1.12 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $100,843 compounds alongside $3,362/yr in yearly equity build, for a total cumulative return of $99,324.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 7.8% |
| Monthly Cash Flow | $671 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,833 |
| Total Monthly Debt Service | $2,309 |
| DSCR Ratio | 0.79x |
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 1959
10,123 sqft lot
$N/A/sqft
$177 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63146, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,959 (100%) |
| Owner Occupied HU | 8,601 (53.9%) |
| Renter Occupied HU | 6,109 (38.3%) |
| Vacant Housing Units | 1,249 ( 7.8%) |
| Median Home Value | $298,489 |
| Average Home Value | $334,860 |
Housing Distribution
Address Breakdown
Residential
14,987
Single Family
11,475
Multi-Family
3,512
Businesses
1,118
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 1959
10,123 sqft lot
$N/A/sqft
$177 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63146, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,959 (100%) |
| Owner Occupied HU | 8,601 (53.9%) |
| Renter Occupied HU | 6,109 (38.3%) |
| Vacant Housing Units | 1,249 ( 7.8%) |
| Median Home Value | $298,489 |
| Average Home Value | $334,860 |
Housing Distribution
Address Breakdown
Residential
14,987
Single Family
11,475
Multi-Family
3,512
Businesses
1,118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Evelyn L Jefferson • Coldwell Banker Realty - Gundaker
Mls Name: MARIS
Mls Provider:
Mls ID: #25038098
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