6563 Mitchell TerSaint LouisMO63139
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 6563 Mitchell Ter, Saint Louis, MO, 63139 in Saint Louis at $229,999 earns $1,556/mo in rent and nets $106/mo after the $1,034/mo payment, a 8.12% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $63,544 over five years. Ziffy Mortgage underwrites this on a 1.50 DSCR without U.S. credit history. With $2,118/yr in principal paydown, total projected return reaches $94,174.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.8% |
| Monthly Cash Flow | $106 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,556 |
| Total Monthly Debt Service | $1,359 |
| DSCR Ratio | 1.15x |
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 1953
6,255 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63139, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,234 (100%) |
| Owner Occupied HU | 6,570 (53.7%) |
| Renter Occupied HU | 4,478 (36.6%) |
| Vacant Housing Units | 1,186 ( 9.7%) |
| Median Home Value | $231,633 |
| Average Home Value | $255,613 |
Housing Distribution
Address Breakdown
Residential
12,247
Single Family
10,951
Multi-Family
1,296
Businesses
689
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 1953
6,255 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63139, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,234 (100%) |
| Owner Occupied HU | 6,570 (53.7%) |
| Renter Occupied HU | 4,478 (36.6%) |
| Vacant Housing Units | 1,186 ( 9.7%) |
| Median Home Value | $231,633 |
| Average Home Value | $255,613 |
Housing Distribution
Address Breakdown
Residential
12,247
Single Family
10,951
Multi-Family
1,296
Businesses
689
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jack K Mccurdy • S. R. Stock Properties, Inc.
Mls Name: MARIS
Mls Provider:
Mls ID: #25061346
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