3217 Lafayette AveSaint LouisMO63104
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 3217 Lafayette Ave, Saint Louis, MO, 63104 in Saint Louis is straightforward: $426,000 in, $2,920/mo in rent, $267/mo out after debt service. The 8.22% gross yield and 1.52 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $117,696 by year five. With $3,924/yr in principal equity, the total cumulative return is projected at $178,743.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.8% |
| Monthly Cash Flow | $267 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,920 |
| Total Monthly Debt Service | $2,484 |
| DSCR Ratio | 1.18x |
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 1900
3,100 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63104, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,429 (100%) |
| Owner Occupied HU | 3,773 (33.0%) |
| Renter Occupied HU | 5,853 (51.2%) |
| Vacant Housing Units | 1,803 (15.8%) |
| Median Home Value | $340,630 |
| Average Home Value | $370,512 |
Housing Distribution
Address Breakdown
Residential
10,558
Single Family
7,106
Multi-Family
3,452
Businesses
690
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 1900
3,100 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63104, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,429 (100%) |
| Owner Occupied HU | 3,773 (33.0%) |
| Renter Occupied HU | 5,853 (51.2%) |
| Vacant Housing Units | 1,803 (15.8%) |
| Median Home Value | $340,630 |
| Average Home Value | $370,512 |
Housing Distribution
Address Breakdown
Residential
10,558
Single Family
7,106
Multi-Family
3,452
Businesses
690
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gabrielle A Millenbruck • Coldwell Banker Realty - Gundaker West Regional
Mls Name: MARIS
Mls ID: #25046930