4360 Humber CirSaint LouisMO63129
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 4360 Humber Cir, Saint Louis, MO, 63129 in Saint Louis clears it at 1.70, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.19%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $48,349; $1,612/yr in principal equity; total projected return: $82,497.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.8% |
| Monthly Cash Flow | $(190) | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,340 |
| Total Monthly Debt Service | $1,020 |
| DSCR Ratio | 1.31x |
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 1973
4,138 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63129, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,519 (100%) |
| Owner Occupied HU | 17,371 (77.1%) |
| Renter Occupied HU | 4,425 (19.7%) |
| Vacant Housing Units | 723 ( 3.2%) |
| Median Home Value | $306,600 |
| Average Home Value | $348,667 |
Housing Distribution
Address Breakdown
Residential
22,299
Single Family
19,307
Multi-Family
2,992
Businesses
724
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 1973
4,138 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63129, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,519 (100%) |
| Owner Occupied HU | 17,371 (77.1%) |
| Renter Occupied HU | 4,425 (19.7%) |
| Vacant Housing Units | 723 ( 3.2%) |
| Median Home Value | $306,600 |
| Average Home Value | $348,667 |
Housing Distribution
Address Breakdown
Residential
22,299
Single Family
19,307
Multi-Family
2,992
Businesses
724
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Burnett • Keller Williams Realty West
Mls Name: MARIS
Mls ID: #26008392