41 Sharon DrSaint CharlesMO63303
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 41 Sharon Dr, Saint Charles, MO, 63303 in Saint Charles. At $230,000 it earns $1,646/mo in rent and distributes $214/mo to the owner after the $1,034/mo payment, a consistent 8.59% yield. DSCR 1.59 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $63,545 in value; $2,118/yr in principal paydown compounds ownership stake. Total projected return: $101,050.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.8% |
| Monthly Cash Flow | $214 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,646 |
| Total Monthly Debt Service | $1,341 |
| DSCR Ratio | 1.23x |
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 1956
8,751 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63303, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,640 (100%) |
| Owner Occupied HU | 14,853 (68.6%) |
| Renter Occupied HU | 5,847 (27.0%) |
| Vacant Housing Units | 940 ( 4.3%) |
| Median Home Value | $351,336 |
| Average Home Value | $375,916 |
Housing Distribution
Address Breakdown
Residential
20,625
Single Family
17,587
Multi-Family
3,038
Businesses
861
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 1956
8,751 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63303, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,640 (100%) |
| Owner Occupied HU | 14,853 (68.6%) |
| Renter Occupied HU | 5,847 (27.0%) |
| Vacant Housing Units | 940 ( 4.3%) |
| Median Home Value | $351,336 |
| Average Home Value | $375,916 |
Housing Distribution
Address Breakdown
Residential
20,625
Single Family
17,587
Multi-Family
3,038
Businesses
861
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MARIS
Mls ID: #26014922