426 Smith StCreve CoeurIL61610
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 426 Smith St, Creve Coeur, IL, 61610 in Creve Coeur earns a 11.6% gross yield at $143,745. Rent of $1,390/mo nets $225/mo after the $646/mo mortgage. The 2.15 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $39,714 and $1,324/yr in equity accumulation project a total cumulative return of $70,290.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.0% |
| Monthly Cash Flow | $225 | $1,200 |
City averages based on Creve Coeur market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,390 |
| Total Monthly Debt Service | $1,107 |
| DSCR Ratio | 1.26x |
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.
Multi Family
Built in 1970
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61610, Creve Coeur, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,408 (100%) |
| Owner Occupied HU | 1,585 (65.8%) |
| Renter Occupied HU | 541 (22.5%) |
| Vacant Housing Units | 282 (11.7%) |
| Median Home Value | $84,419 |
| Average Home Value | $100,315 |
Housing Distribution
Address Breakdown
Residential
2,304
Single Family
2,304
Multi-Family
0
Businesses
102
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
Multi Family
Built in 1970
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 61610, Creve Coeur, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,408 (100%) |
| Owner Occupied HU | 1,585 (65.8%) |
| Renter Occupied HU | 541 (22.5%) |
| Vacant Housing Units | 282 (11.7%) |
| Median Home Value | $84,419 |
| Average Home Value | $100,315 |
Housing Distribution
Address Breakdown
Residential
2,304
Single Family
2,304
Multi-Family
0
Businesses
102
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer M Bradshaw • The Real Estate Group Inc.
Mls Name: RMLS Alliance
Mls Provider:
Mls ID: #PA1259519
Disclaimer: Based on information submitted to the MLS GRID as of 2025-10-20 03:32:42 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#564)