802 Hall StSaint JosephMO64501
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.85% gross rental yield, 802 Hall St, Saint Joseph, MO, 64501 in Saint Joseph is priced for capital growth, not immediate cash flow. The $797,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $220,196 by year five, with $7,340/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.53) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $104,574.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.2% |
| Monthly Cash Flow | $(3,074) | $450 |
City averages based on Saint Joseph market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,890 |
| Total Monthly Debt Service | $4,646 |
| DSCR Ratio | 0.41x |
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.
Single Family
Built in 1881
0.67 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 1881
0.67 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2604749