422 S 22nd StSaint JosephMO64501
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 422 S 22nd St, Saint Joseph, MO, 64501 in Saint Joseph: $1,464/mo in rent, $318/mo in net income, 9.55% gross yield, 1.77 DSCR, all at $184,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $50,836 in appreciation and $1,695/yr in principal paydown projects total cumulative return of $90,301.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $318 | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,464 |
| Total Monthly Debt Service | $1,073 |
| DSCR Ratio | 1.36x |
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 1917
3,485 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 1917
3,485 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Harper • ReeceNichols-KCN
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2597601