503 Cliff Brook DrO'FallonMO63366
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis O'Fallon rental at 503 Cliff Brook Dr, O'Fallon, MO, 63366 sits in the solid-income band: 8.31% gross yield, $4,100/mo rent, $358/mo net after the $2,661/mo debt service, DSCR 1.54. Entry price of $591,800 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $163,503 and $5,451/yr in principal reduction bring total cumulative return to $247,816.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.5% |
| Monthly Cash Flow | $358 | $300 |
City averages based on O'Fallon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,100 |
| Total Monthly Debt Service | $3,507 |
| DSCR Ratio | 1.17x |
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 2022
10,367 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63366, O Fallon, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,428 (100%) |
| Owner Occupied HU | 16,734 (78.1%) |
| Renter Occupied HU | 4,082 (19.0%) |
| Vacant Housing Units | 612 ( 2.9%) |
| Median Home Value | $323,320 |
| Average Home Value | $344,502 |
Housing Distribution
Address Breakdown
Residential
21,098
Single Family
19,910
Multi-Family
1,188
Businesses
1,389
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 2022
10,367 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63366, O Fallon, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,428 (100%) |
| Owner Occupied HU | 16,734 (78.1%) |
| Renter Occupied HU | 4,082 (19.0%) |
| Vacant Housing Units | 612 ( 2.9%) |
| Median Home Value | $323,320 |
| Average Home Value | $344,502 |
Housing Distribution
Address Breakdown
Residential
21,098
Single Family
19,910
Multi-Family
1,188
Businesses
1,389
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices