3405 Gene Field RdSaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3405 Gene Field Rd, Saint Joseph, MO, 64506 in Saint Joseph is a solid income-producing rental, 10.19% gross yield, $1,740/mo rent, $463/mo net cash flow on a $205,000 buy. DSCR 1.89 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $56,638 and $1,888/yr in principal reduction project a total cumulative return of $107,589.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.2% |
| Monthly Cash Flow | $463 | $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 | $1,195 |
| DSCR Ratio | 1.46x |
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 1952
0.48 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 1952
0.48 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Noreen Derr • Keller Williams KC North
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2588504