4605 Ray AveSaint LouisMO63116
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 4605 Ray Ave, Saint Louis, MO, 63116 in Saint Louis is listed at $189,900 and delivers $1,470/mo in rent and $287/mo in net monthly cash flow. The 9.29% yield and 1.72 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $52,466 over five years, and $1,749/yr in principal reduction supplements cash return. Total projected cumulative return: $90,534.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.8% |
| Monthly Cash Flow | $287 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,470 |
| Total Monthly Debt Service | $1,107 |
| DSCR Ratio | 1.33x |
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.
Single Family
Built in 1894
7,980 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63116, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,647 (100%) |
| Owner Occupied HU | 10,716 (49.5%) |
| Renter Occupied HU | 8,461 (39.1%) |
| Vacant Housing Units | 2,470 (11.4%) |
| Median Home Value | $174,666 |
| Average Home Value | $251,856 |
Housing Distribution
Address Breakdown
Residential
19,725
Single Family
17,324
Multi-Family
2,401
Businesses
752
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 1894
7,980 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63116, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,647 (100%) |
| Owner Occupied HU | 10,716 (49.5%) |
| Renter Occupied HU | 8,461 (39.1%) |
| Vacant Housing Units | 2,470 (11.4%) |
| Median Home Value | $174,666 |
| Average Home Value | $251,856 |
Housing Distribution
Address Breakdown
Residential
19,725
Single Family
17,324
Multi-Family
2,401
Businesses
752
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MARIS
Mls ID: #26019377