305 S Church StSaint PetersMO63376
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 305 S Church St, Saint Peters, MO, 63376 in Saint Peters at $249,900 earns $1,726/mo in rent and nets $170/mo after the $1,124/mo payment, a 8.29% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $69,043 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $2,302/yr in principal paydown, total projected return reaches $105,713.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $170 | $820 |
City averages based on Saint Peters market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,726 |
| Total Monthly Debt Service | $1,457 |
| 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.
Single Family
Built in 1947
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63376, Saint Peters, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,750 (100%) |
| Owner Occupied HU | 25,469 (80.2%) |
| Renter Occupied HU | 5,533 (17.4%) |
| Vacant Housing Units | 748 ( 2.4%) |
| Median Home Value | $309,423 |
| Average Home Value | $322,736 |
Housing Distribution
Address Breakdown
Residential
30,923
Single Family
27,599
Multi-Family
3,324
Businesses
2,081
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
Single Family
Built in 1947
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63376, Saint Peters, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,750 (100%) |
| Owner Occupied HU | 25,469 (80.2%) |
| Renter Occupied HU | 5,533 (17.4%) |
| Vacant Housing Units | 748 ( 2.4%) |
| Median Home Value | $309,423 |
| Average Home Value | $322,736 |
Housing Distribution
Address Breakdown
Residential
30,923
Single Family
27,599
Multi-Family
3,324
Businesses
2,081
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tony M Schulte • MO Realty
Mls Name: MARIS
Mls ID: #25066847