2605 Plantation Point #BSaint CharlesMO63303
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.24% yield at 2605 Plantation Point #B, Saint Charles, MO, 63303 in Saint Charles is solid, but the $1,061/mo payment compresses net cash flow to $151/mo at $235,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $65,175 by year five, and $2,173/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.53) without U.S. income documentation. Total projected return: $99,207.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.8% |
| Monthly Cash Flow | $151 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,620 |
| Total Monthly Debt Service | $1,375 |
| DSCR Ratio | 1.18x |
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.
Townhouse
Built in 1977
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63303, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,640 (100%) |
| Owner Occupied HU | 14,853 (68.6%) |
| Renter Occupied HU | 5,847 (27.0%) |
| Vacant Housing Units | 940 ( 4.3%) |
| Median Home Value | $351,336 |
| Average Home Value | $375,916 |
Housing Distribution
Address Breakdown
Residential
20,625
Single Family
17,587
Multi-Family
3,038
Businesses
861
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
Townhouse
Built in 1977
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63303, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,640 (100%) |
| Owner Occupied HU | 14,853 (68.6%) |
| Renter Occupied HU | 5,847 (27.0%) |
| Vacant Housing Units | 940 ( 4.3%) |
| Median Home Value | $351,336 |
| Average Home Value | $375,916 |
Housing Distribution
Address Breakdown
Residential
20,625
Single Family
17,587
Multi-Family
3,038
Businesses
861
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Janette Avalos De Conte • BSG Realty
Mls Name: MARIS
Mls ID: #25075899