4908 Devonshire AveSaint LouisMO63109
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play4908 Devonshire Ave, Saint Louis, MO, 63109 in Saint Louis is priced for appreciation, not yield. Rental yield 5.99%. At $571,000 with a 5.99% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $157,757 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.11) 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: $171,157.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 7.8% |
| Monthly Cash Flow | $(706) | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,850 |
| Total Monthly Debt Service | $3,329 |
| DSCR Ratio | 0.86x |
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.
Multi Family
Built in 1924
6,250 sqft 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
Multi Family
Built in 1924
6,250 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Harun Cilingir • Marino Realty, LLC
Mls Name: MARIS
Mls ID: #26007744