4224 Laclede Ave #CSaint LouisMO63108
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 4224 Laclede Ave #C, Saint Louis, MO, 63108 in Saint Louis is listed at $500,000 and delivers $3,886/mo in rent and $536/mo in net monthly cash flow. The 9.33% yield and 1.73 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $138,141 over five years, and $4,605/yr in principal reduction supplements cash return. Total projected cumulative return: $225,243.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.8% |
| Monthly Cash Flow | $536 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,886 |
| Total Monthly Debt Service | $3,151 |
| 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.
Townhouse
Built in 2000
1,768 sqft lot
$N/A/sqft
$135 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63108, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,450 (100%) |
| Owner Occupied HU | 3,032 (21.0%) |
| Renter Occupied HU | 9,434 (65.3%) |
| Vacant Housing Units | 1,984 (13.7%) |
| Median Home Value | $409,318 |
| Average Home Value | $521,271 |
Housing Distribution
Address Breakdown
Residential
14,021
Single Family
3,189
Multi-Family
10,832
Businesses
1,041
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
Townhouse
Built in 2000
1,768 sqft lot
$N/A/sqft
$135 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63108, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,450 (100%) |
| Owner Occupied HU | 3,032 (21.0%) |
| Renter Occupied HU | 9,434 (65.3%) |
| Vacant Housing Units | 1,984 (13.7%) |
| Median Home Value | $409,318 |
| Average Home Value | $521,271 |
Housing Distribution
Address Breakdown
Residential
14,021
Single Family
3,189
Multi-Family
10,832
Businesses
1,041
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Craig G Andrews • Westover Realty Inc.
Mls Name: MARIS
Mls Provider:
Mls ID: #25014594
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