314 Montclair Tower DrSaint CharlesMO63303
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 314 Montclair Tower Dr, Saint Charles, MO, 63303 in Saint Charles at $225,000 earns $1,515/mo in rent and nets $114/mo after the $1,012/mo payment, a 8.08% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $62,163 over five years. Ziffy Mortgage underwrites this on a 1.50 DSCR without U.S. credit history. With $2,072/yr in principal paydown, total projected return reaches $92,652.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.8% |
| Monthly Cash Flow | $114 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,515 |
| Total Monthly Debt Service | $1,312 |
| DSCR Ratio | 1.15x |
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.
Townhouse
Built in 2004
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63303, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,640 (100%) |
| Owner Occupied HU | 14,853 (68.6%) |
| Renter Occupied HU | 5,847 (27.0%) |
| Vacant Housing Units | 940 ( 4.3%) |
| Median Home Value | $351,336 |
| Average Home Value | $375,916 |
Housing Distribution
Address Breakdown
Residential
20,625
Single Family
17,587
Multi-Family
3,038
Businesses
861
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
Townhouse
Built in 2004
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63303, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,640 (100%) |
| Owner Occupied HU | 14,853 (68.6%) |
| Renter Occupied HU | 5,847 (27.0%) |
| Vacant Housing Units | 940 ( 4.3%) |
| Median Home Value | $351,336 |
| Average Home Value | $375,916 |
Housing Distribution
Address Breakdown
Residential
20,625
Single Family
17,587
Multi-Family
3,038
Businesses
861
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Drew W Elwell • Cribbin Realty
Mls Name: MARIS
Mls ID: #25070420