3943 Prather AveSaint LouisMO63109
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 3943 Prather Ave, Saint Louis, MO, 63109 in Saint Louis is capital appreciation. Rental yield 5.65%. The 5.65% gross yield at $349,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $96,671 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.05) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $98,662.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 7.8% |
| Monthly Cash Flow | $(530) | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,649 |
| Total Monthly Debt Service | $2,040 |
| DSCR Ratio | 0.81x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1940
4,930 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
Single Family
Built in 1940
4,930 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matt Dionne • Gnomad Realty LLC
Mls Name: MARIS
Mls Provider:
Mls ID: #25029900
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