3137 Edmond StSaint JosephMO64501
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3137 Edmond St, Saint Joseph, MO, 64501 in Saint Joseph at $137,500 earns $1,039/mo in rent and nets $183/mo after the $618/mo payment, a 9.07% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $37,989 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $1,266/yr in principal paydown, total projected return reaches $63,943.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $183 | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,039 |
| Total Monthly Debt Service | $802 |
| DSCR Ratio | 1.30x |
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 1902
5,600 sqft 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 1902
5,600 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A