4207 Hidden Valley DrSaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4207 Hidden Valley Dr, Saint Joseph, MO, 64506 in Saint Joseph. Rental yield 4.91%. At $425,000 with 4.91% gross yield, current distributions are modest, but the 5% appreciation rate projects $117,420 in new equity by year five, complemented by $3,914/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.91) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $102,911.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(1,086) | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,740 |
| Total Monthly Debt Service | $2,478 |
| DSCR Ratio | 0.70x |
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 2008
3,195 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 2008
3,195 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bob Bucher • REECENICHOLS-IDE CAPITAL
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2601892