4603 Manor DrSaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4603 Manor Dr, Saint Joseph, MO, 64506 in Saint Joseph fits: $675,000, 4.11% gross yield, and a projected 5% annual appreciation rate adding $186,490 in value within five years. Rental yield 4.11%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.76) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,217/yr in principal paydown and $186,490 in appreciation project a total return of $131,460.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(1,940) | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,314 |
| Total Monthly Debt Service | $3,985 |
| DSCR Ratio | 0.58x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Single Family
Built in 2005
0.48 Acres lot
$N/A/sqft
$600 annually HOA
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
Single Family
Built in 2005
0.48 Acres lot
$N/A/sqft
$600 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Voltz • Keller Williams KC North
Mls Name: HKMMLS as distributed by MLS GRID
Mls Provider:
Mls ID: #2555964
Disclaimer: Based on information submitted to the MLS GRID as of 2025-06-17 10:08:02 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. Prices displayed on all Sold listings are the Last Known Listing Price and may not be the actual selling price. [Click here for more information](/mls-disclaimers/#45) Listing Information presented by local MLS brokerage: Zillow, Inc., local REALTOR- Terry York - (913) 213-6604