3928 Rhine CtSaint CharlesMO63304
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 3928 Rhine Ct, Saint Charles, MO, 63304 in Saint Charles: $3,084/mo in rent, $251/mo in net income, 8.14% gross yield, 1.51 DSCR, all at $454,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $125,680 in appreciation and $4,190/yr in principal paydown projects total cumulative return of $188,713.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.8% |
| Monthly Cash Flow | $251 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,084 |
| Total Monthly Debt Service | $2,652 |
| DSCR Ratio | 1.16x |
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 1991
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63304, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,153 (100%) |
| Owner Occupied HU | 14,356 (83.7%) |
| Renter Occupied HU | 2,290 (13.4%) |
| Vacant Housing Units | 507 ( 3.0%) |
| Median Home Value | $364,905 |
| Average Home Value | $408,403 |
Housing Distribution
Address Breakdown
Residential
16,807
Single Family
16,028
Multi-Family
779
Businesses
948
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 1991
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63304, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,153 (100%) |
| Owner Occupied HU | 14,356 (83.7%) |
| Renter Occupied HU | 2,290 (13.4%) |
| Vacant Housing Units | 507 ( 3.0%) |
| Median Home Value | $364,905 |
| Average Home Value | $408,403 |
Housing Distribution
Address Breakdown
Residential
16,807
Single Family
16,028
Multi-Family
779
Businesses
948
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan J Farber • Compass Realty Group
Mls Name: MARIS
Mls ID: #25065346