2017-19 Jones StSaint JosephMO64501
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2017-19 Jones St, Saint Joseph, MO, 64501 in Saint Joseph fits: $198,500, 5.88% gross yield, and a projected 5% annual appreciation rate adding $54,842 in value within five years. Rental yield 5.88%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.09) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $1,828/yr in principal paydown and $54,842 in appreciation project a total return of $58,306.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.2% |
| Monthly Cash Flow | $(264) | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $972 |
| Total Monthly Debt Service | $1,157 |
| DSCR Ratio | 0.84x |
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.
Multi Family
Built in 1892
8,276 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
Multi Family
Built in 1892
8,276 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Agent Jo Pruitt • Agent Jo & Associates
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2573928