3128 Floral AveSaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 3128 Floral Ave, Saint Joseph, MO, 64506 in Saint Joseph. Rental yield 6%. The 1.11 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $96,146 and $3,205/yr in principal reduction project total return of $104,506.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.2% |
| Monthly Cash Flow | $(427) | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,740 |
| Total Monthly Debt Service | $2,029 |
| DSCR Ratio | 0.86x |
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 1965
0.36 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 1965
0.36 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sandy BLUM • RE/MAX PROFESSIONALS
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2574050