400 S 14th St APT 1115Saint LouisMO63103
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 400 S 14th St APT 1115, Saint Louis, MO, 63103 in Saint Louis is a conservative rental investment at $429,000. Rental yield 6.01%. A 1.11 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $118,525; $3,951/yr in principal paydown supplements. Total projected return: $128,968.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 7.8% |
| Monthly Cash Flow | $(1,339) | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,147 |
| Total Monthly Debt Service | $2,501 |
| DSCR Ratio | 0.86x |
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.
Condo
Built in 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63103, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,493 (100%) |
| Owner Occupied HU | 536 ( 8.3%) |
| Renter Occupied HU | 4,544 (70.0%) |
| Vacant Housing Units | 1,413 (21.8%) |
| Median Home Value | $225,667 |
| Average Home Value | $283,427 |
Housing Distribution
Address Breakdown
Residential
5,819
Single Family
267
Multi-Family
5,552
Businesses
976
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
Condo
Built in 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63103, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,493 (100%) |
| Owner Occupied HU | 536 ( 8.3%) |
| Renter Occupied HU | 4,544 (70.0%) |
| Vacant Housing Units | 1,413 (21.8%) |
| Median Home Value | $225,667 |
| Average Home Value | $283,427 |
Housing Distribution
Address Breakdown
Residential
5,819
Single Family
267
Multi-Family
5,552
Businesses
976
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MARIS
Mls ID: #25068348