2413 Charwood StSaint CharlesMO63301
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2413 Charwood St, Saint Charles, MO, 63301 in Saint Charles. Priced at $275,000, it generates $2,525/mo in gross rent and $812/mo in net monthly cash flow, a 11.02% yield that comfortably supports the 2.04 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,746. Five-year appreciation: $75,977. Equity from principal paydown: $2,533/yr. Total projected cumulative return: $156,603.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 5.8% |
| Monthly Cash Flow | $812 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,525 |
| Total Monthly Debt Service | $1,603 |
| DSCR Ratio | 1.57x |
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 1959
0.28 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 1959
0.28 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberly S Goessling • Berkshire Hathaway HomeServices Select Properties
Mls Name: MARIS
Mls ID: #25061624