838 E Pacific AveSaint LouisMO63119
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 838 E Pacific Ave, Saint Louis, MO, 63119 in Saint Louis at $170,000 earns $1,291/mo in rent and nets $180/mo after the $764/mo payment, a 9.11% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $46,968 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $1,566/yr in principal paydown, total projected return reaches $76,368.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.8% |
| Monthly Cash Flow | $180 | $450 |
City averages based on Saint Louis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,291 |
| Total Monthly Debt Service | $1,043 |
| DSCR Ratio | 1.24x |
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 1954
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63119, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,458 (100%) |
| Owner Occupied HU | 11,084 (71.7%) |
| Renter Occupied HU | 3,452 (22.3%) |
| Vacant Housing Units | 922 ( 6.0%) |
| Median Home Value | $376,319 |
| Average Home Value | $439,587 |
Housing Distribution
Address Breakdown
Residential
14,893
Single Family
12,751
Multi-Family
2,142
Businesses
1,289
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 1954
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63119, Saint Louis, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,458 (100%) |
| Owner Occupied HU | 11,084 (71.7%) |
| Renter Occupied HU | 3,452 (22.3%) |
| Vacant Housing Units | 922 ( 6.0%) |
| Median Home Value | $376,319 |
| Average Home Value | $439,587 |
Housing Distribution
Address Breakdown
Residential
14,893
Single Family
12,751
Multi-Family
2,142
Businesses
1,289
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A