2895 Fairways Cir UNIT MSaint CharlesMO63303
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 2895 Fairways Cir UNIT M, Saint Charles, MO, 63303 in Saint Charles is straightforward: $155,000 in, $1,212/mo in rent, $247/mo out after debt service. The 9.38% gross yield and 1.74 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $42,824 by year five. With $1,428/yr in principal equity, the total cumulative return is projected at $74,706.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.8% |
| Monthly Cash Flow | $247 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,212 |
| Total Monthly Debt Service | $904 |
| DSCR Ratio | 1.34x |
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 1973
479.16 sqft 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 1973
479.16 sqft 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: Amy K Searing • Berkshire Hathaway HomeServices Select Properties
Mls Name: MARIS
Mls ID: #25051112