4 Gold Rush CtSaint PetersMO63376
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4 Gold Rush Ct, Saint Peters, MO, 63376 in Saint Peters is narrow, $107/mo net on $1,727/mo rent after the $1,102/mo debt service, but the property operates at break-even-plus, not a loss. At $245,000 with a 8.46% yield, the long-run equity case via 5% appreciation ($67,689 over five years) and $2,256/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.57 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $100,264.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $107 | $820 |
City averages based on Saint Peters market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,727 |
| Total Monthly Debt Service | $1,523 |
| DSCR Ratio | 1.13x |
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 1976
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63376, Saint Peters, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,750 (100%) |
| Owner Occupied HU | 25,469 (80.2%) |
| Renter Occupied HU | 5,533 (17.4%) |
| Vacant Housing Units | 748 ( 2.4%) |
| Median Home Value | $309,423 |
| Average Home Value | $322,736 |
Housing Distribution
Address Breakdown
Residential
30,923
Single Family
27,599
Multi-Family
3,324
Businesses
2,081
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 1976
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63376, Saint Peters, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,750 (100%) |
| Owner Occupied HU | 25,469 (80.2%) |
| Renter Occupied HU | 5,533 (17.4%) |
| Vacant Housing Units | 748 ( 2.4%) |
| Median Home Value | $309,423 |
| Average Home Value | $322,736 |
Housing Distribution
Address Breakdown
Residential
30,923
Single Family
27,599
Multi-Family
3,324
Businesses
2,081
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christopher M Scott • Keller Williams Realty West
Mls Name: MARIS
Mls Provider:
Mls ID: #25029432
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