3063 Pirogue StSaint CharlesMO63301
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 3063 Pirogue St, Saint Charles, MO, 63301 in Saint Charles at $504,975 earns $3,359/mo in rent and nets $140/mo after the $2,271/mo payment, a 7.98% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $139,515 over five years. Ziffy Mortgage underwrites this on a 1.48 DSCR without U.S. credit history. With $4,651/yr in principal paydown, total projected return reaches $200,897.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.8% |
| Monthly Cash Flow | $140 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,359 |
| Total Monthly Debt Service | $3,018 |
| 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.
Single Family
Built in 2025
4,456 sqft lot
$N/A/sqft
$885 annually 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
Single Family
Built in 2025
4,456 sqft lot
$N/A/sqft
$885 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Vic B Donati • RE/MAX EDGE
Mls Name: MARIS
Mls Provider:
Mls ID: #25039184
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