6340 Clayton Rd APT 302Saint LouisMO63117
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play6340 Clayton Rd APT 302, Saint Louis, MO, 63117 in Saint Louis is priced for appreciation, not yield. Rental yield 5.3%. At $675,000 with a 5.3% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $186,490 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.98) 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: $177,372.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 7.8% |
| Monthly Cash Flow | $(1,223) | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,981 |
| Total Monthly Debt Service | $3,935 |
| DSCR Ratio | 0.76x |
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.
Condo
Built in 2001
588.06 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63117, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,938 (100%) |
| Owner Occupied HU | 2,586 (52.4%) |
| Renter Occupied HU | 2,018 (40.9%) |
| Vacant Housing Units | 334 ( 6.8%) |
| Median Home Value | $373,051 |
| Average Home Value | $506,042 |
Housing Distribution
Address Breakdown
Residential
4,903
Single Family
3,850
Multi-Family
1,053
Businesses
791
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 2001
588.06 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63117, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,938 (100%) |
| Owner Occupied HU | 2,586 (52.4%) |
| Renter Occupied HU | 2,018 (40.9%) |
| Vacant Housing Units | 334 ( 6.8%) |
| Median Home Value | $373,051 |
| Average Home Value | $506,042 |
Housing Distribution
Address Breakdown
Residential
4,903
Single Family
3,850
Multi-Family
1,053
Businesses
791
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Raj Tailor • Portica Real Estate LLC
Mls Name: MARIS
Mls ID: #25067502