2028 Clay StSaint JosephMO64501
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play2028 Clay St, Saint Joseph, MO, 64501 in Saint Joseph is priced for appreciation, not yield. Rental yield 4.32%. At $525,000 with a 4.32% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $145,048 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.80) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $110,356.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.2% |
| Monthly Cash Flow | $(1,380) | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,890 |
| Total Monthly Debt Service | $3,061 |
| DSCR Ratio | 0.62x |
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 1893
0.39 Acres 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 1893
0.39 Acres 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: #2602589