3703 Durham CtSaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3703 Durham Ct, Saint Joseph, MO, 64506 in Saint Joseph. At $445,000 it earns $3,133/mo in rent and distributes $362/mo to the owner after the $2,001/mo payment, a consistent 8.45% yield. DSCR 1.57 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $122,945 in value; $4,098/yr in principal paydown compounds ownership stake. Total projected return: $192,098.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $362 | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,133 |
| Total Monthly Debt Service | $2,594 |
| DSCR Ratio | 1.21x |
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 2002
0.26 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 2002
0.26 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susan BARTLETT • REECENICHOLS-IDE CAPITAL
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2577212