4117 McClay RdSaint CharlesMO63304
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4117 McClay Rd, Saint Charles, MO, 63304 in Saint Charles speaks for itself: 11.5% gross on a $229,990 price, generating $2,204/mo in rent and $772/mo in net income after the $1,034/mo debt service. DSCR 2.13, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,260 stacks alongside $63,542 in projected five-year appreciation and $2,118/yr in principal reduction. Projected total cumulative return: $136,951.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 5.8% |
| Monthly Cash Flow | $772 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,204 |
| Total Monthly Debt Service | $1,341 |
| DSCR Ratio | 1.64x |
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 1978
9,439 sqft 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 1978
9,439 sqft 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: Haso Muhamedbegovic • Keller Williams Chesterfield
Mls Name: MARIS
Mls Provider:
Mls ID: #25014498
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