5304 Frederick AveSaint JosephMO64506
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder5304 Frederick Ave, Saint Joseph, MO, 64506 in Saint Joseph earns a respectable 7.95% gross yield at $262,500, but after the $1,180/mo mortgage the net cash flow is $105/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.47) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $72,524 over five years, making equity the dominant return driver. Total projected return: $106,370.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $105 | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,740 |
| Total Monthly Debt Service | $1,530 |
| DSCR Ratio | 1.14x |
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 1967
0.29 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 1967
0.29 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: MARY COTTER • Coldwell Banker General Property
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2582696