3404 John Lilly StSaint CharlesMO63301
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3404 John Lilly St, Saint Charles, MO, 63301 in Saint Charles is narrow, $200/mo net on $2,224/mo rent after the $1,461/mo debt service, but the property operates at break-even-plus, not a loss. At $325,000 with a 8.21% yield, the long-run equity case via 5% appreciation ($89,792 over five years) and $2,993/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.52 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $136,194.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.8% |
| Monthly Cash Flow | $200 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,224 |
| Total Monthly Debt Service | $1,895 |
| DSCR Ratio | 1.17x |
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 2007
2,613 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 2007
2,613 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Vic & Diane Donati • RE/MAX EDGE
Mls Name: MARIS
Mls ID: #25068532