2904 Eastbrook CtSaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2904 Eastbrook Ct, Saint Joseph, MO, 64506 in Saint Joseph worth study. Rental yield 4.95%. The 4.95% gross yield is below cash-flow benchmarks at $315,000, but 5% annual appreciation, adding $87,029 over five years, frames this as a capital growth position. Rent of $1,300/mo partially offsets the $1,416/mo payment. Ziffy Mortgage finances appreciation-play properties (0.92 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $69,022.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.2% |
| Monthly Cash Flow | $(794) | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,300 |
| Total Monthly Debt Service | $1,968 |
| DSCR Ratio | 0.66x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2005
4,791 sqft lot
$N/A/sqft
$396 quarterly 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
Townhouse
Built in 2005
4,791 sqft lot
$N/A/sqft
$396 quarterly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Renee Zweerink • Realty ONE Group Cornerstone
Mls Name: HKMMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #2561447
Disclaimer: Based on information submitted to the MLS GRID as of 2025-07-08 10:17:55 PDT. 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](/mls-disclaimers/#45) Listing Information presented by local MLS brokerage: Zillow, Inc., local REALTOR- Terry York - (913) 213-6604