628 Pacific Estates DrPacificMO63069
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe 10.46% yield at 628 Pacific Estates Dr, Pacific, MO, 63069 in Pacific is solid, but the $764/mo payment compresses net cash flow to $36/mo at $170,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $46,968 by year five, and $1,566/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.94) without U.S. income documentation. Total projected return: $68,580.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $36 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,482 |
| Total Monthly Debt Service | $1,378 |
| DSCR Ratio | 1.08x |
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.
Condo
Built in 2004
1,293 sqft lot
$N/A/sqft
$387 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63069, Pacific, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,702 (100%) |
| Owner Occupied HU | 4,713 (70.3%) |
| Renter Occupied HU | 1,506 (22.5%) |
| Vacant Housing Units | 483 ( 7.2%) |
| Median Home Value | $309,168 |
| Average Home Value | $364,166 |
Housing Distribution
Address Breakdown
Residential
6,250
Single Family
5,962
Multi-Family
288
Businesses
450
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
Condo
Built in 2004
1,293 sqft lot
$N/A/sqft
$387 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63069, Pacific, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,702 (100%) |
| Owner Occupied HU | 4,713 (70.3%) |
| Renter Occupied HU | 1,506 (22.5%) |
| Vacant Housing Units | 483 ( 7.2%) |
| Median Home Value | $309,168 |
| Average Home Value | $364,166 |
Housing Distribution
Address Breakdown
Residential
6,250
Single Family
5,962
Multi-Family
288
Businesses
450
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sarah West • Realty Executives Premiere
Mls Name: MARIS
Mls Provider:
Mls ID: #25021898
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