433 S Clay Ave APT 2Saint LouisMO63122
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 433 S Clay Ave APT 2, Saint Louis, MO, 63122 in Saint Louis clears it at 1.72, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.28%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $45,586; $1,520/yr in principal equity; total projected return: $60,698.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.8% |
| Monthly Cash Flow | $(50) | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,276 |
| Total Monthly Debt Service | $1,260 |
| DSCR Ratio | 1.01x |
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.
Condo
Built in 1970
2,199 sqft lot
$N/A/sqft
$298 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63122, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,623 (100%) |
| Owner Occupied HU | 13,487 (76.5%) |
| Renter Occupied HU | 3,144 (17.8%) |
| Vacant Housing Units | 992 ( 5.6%) |
| Median Home Value | $513,877 |
| Average Home Value | $581,121 |
Housing Distribution
Address Breakdown
Residential
17,372
Single Family
14,892
Multi-Family
2,480
Businesses
1,404
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
Condo
Built in 1970
2,199 sqft lot
$N/A/sqft
$298 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63122, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,623 (100%) |
| Owner Occupied HU | 13,487 (76.5%) |
| Renter Occupied HU | 3,144 (17.8%) |
| Vacant Housing Units | 992 ( 5.6%) |
| Median Home Value | $513,877 |
| Average Home Value | $581,121 |
Housing Distribution
Address Breakdown
Residential
17,372
Single Family
14,892
Multi-Family
2,480
Businesses
1,404
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julie Pfeifer • Boutique Realty
Mls Name: MARIS
Mls Provider:
Mls ID: #25057346
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