2811 Pembroke LnSaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow2811 Pembroke Ln, Saint Joseph, MO, 64506 in Saint Joseph earns a respectable 10.66% gross yield at $110,000, but after the $495/mo mortgage the net cash flow is $52/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.97) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $30,391 over five years, making equity the dominant return driver. Total projected return: $46,129.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $52 | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $977 |
| Total Monthly Debt Service | $881 |
| DSCR Ratio | 1.11x |
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 N/A
10,000 sqft lot
$N/A/sqft
$240 monthly 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
Condo
Built in N/A
10,000 sqft lot
$N/A/sqft
$240 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Larry Heintz • UNITED COUNTRY PROPERTY SOLUTI
Mls Name: HKMMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #2509756
Disclaimer: Based on information submitted to the MLS GRID as of 2024-01-26 09:44:00 PST. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. Prices displayed on all Sold listings are the Last Known Listing Price and may not be the actual selling price. [Click here for more information](/info/mls-disclaimers/#mls_45) Listing Information presented by local MLS brokerage: Zillow, Inc., local REALTOR- Terry York - (913) 213-6604