4845-4847 Northland AveSaint LouisMO63113
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 4845-4847 Northland Ave, Saint Louis, MO, 63113 in Saint Louis worth modelling. At $180,000 with a 7.76% gross yield, the $1,164/mo rent leaves $43/mo after the $809/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.44 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $49,731 by year five; $1,658/yr in principal reduction adds further equity. Total projected return: $71,083.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.8% |
| Monthly Cash Flow | $43 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,164 |
| Total Monthly Debt Service | $1,049 |
| DSCR Ratio | 1.11x |
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.
Multi Family
Built in 1906
5,697 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63113, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,898 (100%) |
| Owner Occupied HU | 1,755 (29.8%) |
| Renter Occupied HU | 2,330 (39.5%) |
| Vacant Housing Units | 1,813 (30.7%) |
| Median Home Value | $97,381 |
| Average Home Value | $166,805 |
Housing Distribution
Address Breakdown
Residential
4,938
Single Family
3,976
Multi-Family
962
Businesses
428
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
Multi Family
Built in 1906
5,697 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63113, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,898 (100%) |
| Owner Occupied HU | 1,755 (29.8%) |
| Renter Occupied HU | 2,330 (39.5%) |
| Vacant Housing Units | 1,813 (30.7%) |
| Median Home Value | $97,381 |
| Average Home Value | $166,805 |
Housing Distribution
Address Breakdown
Residential
4,938
Single Family
3,976
Multi-Family
962
Businesses
428
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nicholas J Huscroft • Chosen Realty, LLC
Mls Name: MARIS
Mls ID: #25068029