201 S 13th StSaint JosephMO64501
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Saint Joseph rental at 201 S 13th St, Saint Joseph, MO, 64501 sits in the solid-income band: 9.07% gross yield, $1,171/mo rent, $206/mo net after the $697/mo debt service, DSCR 1.68. Entry price of $154,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $42,796 and $1,427/yr in principal reduction bring total cumulative return to $72,033.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $206 | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,171 |
| Total Monthly Debt Service | $903 |
| 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 1919
2,614 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 1919
2,614 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bobbi Howe • RE/MAX PROFESSIONALS
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2567075