4703 Stonebridge Dr WSaint JosephMO64505
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4703 Stonebridge Dr W, Saint Joseph, MO, 64505 in Saint Joseph worth study. Rental yield 3.9%. The 3.9% gross yield is below cash-flow benchmarks at $369,000, but 5% annual appreciation, adding $101,948 over five years, frames this as a capital growth position. Rent of $1,200/mo partially offsets the $1,659/mo payment. Ziffy Mortgage finances appreciation-play properties (0.72 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $69,318.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.2% |
| Monthly Cash Flow | $(1,098) | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $2,151 |
| DSCR Ratio | 0.56x |
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.
Townhouse
Built in 2020
9,148 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64505, Saint Joseph, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,771 (100%) |
| Owner Occupied HU | 3,844 (66.6%) |
| Renter Occupied HU | 1,380 (23.9%) |
| Vacant Housing Units | 547 ( 9.5%) |
| Median Home Value | $217,206 |
| Average Home Value | $272,177 |
Housing Distribution
Address Breakdown
Residential
5,637
Single Family
5,625
Multi-Family
12
Businesses
204
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 2020
9,148 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64505, Saint Joseph, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,771 (100%) |
| Owner Occupied HU | 3,844 (66.6%) |
| Renter Occupied HU | 1,380 (23.9%) |
| Vacant Housing Units | 547 ( 9.5%) |
| Median Home Value | $217,206 |
| Average Home Value | $272,177 |
Housing Distribution
Address Breakdown
Residential
5,637
Single Family
5,625
Multi-Family
12
Businesses
204
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ramseier Group • Keller Williams KC North
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2576186