4530 McPherson Ave APT 1ESaint LouisMO63108
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4530 McPherson Ave APT 1E, Saint Louis, MO, 63108 in Saint Louis speaks for itself: 10.3% gross on a $300,000 price, generating $2,575/mo in rent and $707/mo in net income after the $1,349/mo debt service. DSCR 1.91, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,482 stacks alongside $82,884 in projected five-year appreciation and $2,763/yr in principal reduction. Projected total cumulative return: $159,268.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 7.8% |
| Monthly Cash Flow | $707 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,575 |
| Total Monthly Debt Service | $1,749 |
| DSCR Ratio | 1.47x |
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 1913
N/A lot
$N/A/sqft
No 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
Condo
Built in 1913
N/A lot
$N/A/sqft
No 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: Dennis L Aydt • Berkshire Hathaway HomeServices Select Properties
Mls Name: MARIS
Mls ID: #25067193