Elderberry Plan, The New Town at St. CharlesSaint CharlesMO63301
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderElderberry Plan, The New Town at St. Charles, Saint Charles, MO, 63301 in Saint Charles earns a respectable 7.72% gross yield at $399,900, but after the $1,798/mo mortgage the net cash flow is $0/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.43) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $110,485 over five years, making equity the dominant return driver. Total projected return: $152,101.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.8% |
| Monthly Cash Flow | $0 | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,572 |
| Total Monthly Debt Service | $2,412 |
| DSCR Ratio | 1.07x |
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 2026
N/A lot
$N/A/sqft
$81 monthly 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 2026
N/A lot
$N/A/sqft
$81 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Houston Homes, LLC
Mls Name: Houston Homes, LLC
Mls Provider:
Mls ID: #N/A