2806 Par Valley Ct APT BSaint LouisMO63129
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2806 Par Valley Ct APT B, Saint Louis, MO, 63129 in Saint Louis at $154,900 earns $1,164/mo in rent and nets $199/mo after the $697/mo payment, a 9.02% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $42,796 over five years. Ziffy Mortgage underwrites this on a 1.67 DSCR without U.S. credit history. With $1,427/yr in principal paydown, total projected return reaches $71,601.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 7.8% |
| Monthly Cash Flow | $199 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,164 |
| Total Monthly Debt Service | $903 |
| DSCR Ratio | 1.29x |
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.
Condo
Built in 1988
7,932 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63129, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,519 (100%) |
| Owner Occupied HU | 17,371 (77.1%) |
| Renter Occupied HU | 4,425 (19.7%) |
| Vacant Housing Units | 723 ( 3.2%) |
| Median Home Value | $306,600 |
| Average Home Value | $348,667 |
Housing Distribution
Address Breakdown
Residential
22,299
Single Family
19,307
Multi-Family
2,992
Businesses
724
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
Condo
Built in 1988
7,932 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63129, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,519 (100%) |
| Owner Occupied HU | 17,371 (77.1%) |
| Renter Occupied HU | 4,425 (19.7%) |
| Vacant Housing Units | 723 ( 3.2%) |
| Median Home Value | $306,600 |
| Average Home Value | $348,667 |
Housing Distribution
Address Breakdown
Residential
22,299
Single Family
19,307
Multi-Family
2,992
Businesses
724
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karen S Campbell • KSC Realty Group, LLC
Mls Name: MARIS
Mls ID: #25051295