3425 Sacramento StSaint JosephMO64507
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 3425 Sacramento St, Saint Joseph, MO, 64507 in Saint Joseph. Priced at $119,900, it generates $1,431/mo in gross rent and $684/mo in net monthly cash flow, a 14.32% yield that comfortably supports the 2.65 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,211. Five-year appreciation: $33,126. Equity from principal paydown: $1,104/yr. Total projected cumulative return: $89,580.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.3% | 6.2% |
| Monthly Cash Flow | $684 | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,431 |
| Total Monthly Debt Service | $699 |
| DSCR Ratio | 2.05x |
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 1960
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64507, Saint Joseph, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,930 (100%) |
| Owner Occupied HU | 3,561 (60.1%) |
| Renter Occupied HU | 1,703 (28.7%) |
| Vacant Housing Units | 666 (11.2%) |
| Median Home Value | $149,130 |
| Average Home Value | $193,327 |
Housing Distribution
Address Breakdown
Residential
5,674
Single Family
5,339
Multi-Family
335
Businesses
375
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 1960
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64507, Saint Joseph, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,930 (100%) |
| Owner Occupied HU | 3,561 (60.1%) |
| Renter Occupied HU | 1,703 (28.7%) |
| Vacant Housing Units | 666 (11.2%) |
| Median Home Value | $149,130 |
| Average Home Value | $193,327 |
Housing Distribution
Address Breakdown
Residential
5,674
Single Family
5,339
Multi-Family
335
Businesses
375
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carime Reeves • Top Line Realty LLC
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2568674