3726 Charles StSaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.07% yield at 3726 Charles St, Saint Joseph, MO, 64506 in Saint Joseph is solid, but the $1,012/mo payment compresses net cash flow to $112/mo at $225,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $62,163 by year five, and $2,072/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.50) without U.S. income documentation. Total projected return: $92,520.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $112 | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,513 |
| Total Monthly Debt Service | $1,312 |
| DSCR Ratio | 1.15x |
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 2012
4,791 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
Townhouse
Built in 2012
4,791 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ramseier Group • Keller Williams KC North
Mls Name: HKMMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #2557138
Disclaimer: Based on information submitted to the MLS GRID as of 2025-06-19 10:28:08 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. Prices displayed on all Sold listings are the Last Known Listing Price and may not be the actual selling price. [Click here for more information](/mls-disclaimers/#45) Listing Information presented by local MLS brokerage: Zillow, Inc., local REALTOR- Terry York - (913) 213-6604