3111 N 35th StSaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.82% gross rental yield, 3111 N 35th St, Saint Joseph, MO, 64506 in Saint Joseph is priced for capital growth, not immediate cash flow. The $379,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $104,711 by year five, with $3,491/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.25) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $128,846.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.2% |
| Monthly Cash Flow | $(606) | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,128 |
| Total Monthly Debt Service | $2,210 |
| DSCR Ratio | 0.96x |
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.
Single Family
Built in 1984
2.78 Acres lot
$N/A/sqft
No 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 1984
2.78 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dan MCCHRISTY • UNITED COUNTRY PROPERTY SOLUTI
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2557262