2128 N 5th StSaint CharlesMO63301
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Saint Charles rentals match the income profile of 2128 N 5th St, Saint Charles, MO, 63301. Listed at $179,900, gross rent is $1,684/mo and net cash flow is $563/mo, a 11.23% yield well above national averages. DSCR 2.08 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $49,703 by year five with $1,657/yr in annual principal reduction, projecting $104,554 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 5.8% |
| Monthly Cash Flow | $563 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,684 |
| Total Monthly Debt Service | $1,049 |
| DSCR Ratio | 1.61x |
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 1965
7,000 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 1965
7,000 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Holly A Heberlie • Coldwell Banker Realty - Gundaker
Mls Name: MARIS
Mls ID: #25077585