4806 Stonecrest TerSaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play4806 Stonecrest Ter, Saint Joseph, MO, 64506 in Saint Joseph is priced for appreciation, not yield. Rental yield 5.34%. At $229,000 with a 5.34% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $63,268 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.99) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $60,738.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.2% |
| Monthly Cash Flow | $(406) | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,020 |
| Total Monthly Debt Service | $1,335 |
| DSCR Ratio | 0.76x |
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 1968
0.40 Acres lot
$N/A/sqft
No 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 1968
0.40 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: BRANDON SALE TEAM • Keller Williams KC North
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2577281