New Build Rainier F Village At Twin CreeksSaint CharlesMO63304
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find New Build Rainier F Village At Twin Creeks, Saint Charles, MO, 63304 in Saint Charles worth study. Rental yield 4.62%. The 4.62% gross yield is below cash-flow benchmarks at $1,039,200, but 5% annual appreciation, adding $287,112 over five years, frames this as a capital growth position. Rent of $4,000/mo partially offsets the $4,673/mo payment. Ziffy Mortgage finances appreciation-play properties (0.86 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $235,166.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.8% |
| Monthly Cash Flow | $(2,472) | $420 |
City averages based on Saint Charles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,000 |
| Total Monthly Debt Service | $6,058 |
| DSCR Ratio | 0.66x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63304, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,153 (100%) |
| Owner Occupied HU | 14,356 (83.7%) |
| Renter Occupied HU | 2,290 (13.4%) |
| Vacant Housing Units | 507 ( 3.0%) |
| Median Home Value | $364,905 |
| Average Home Value | $408,403 |
Housing Distribution
Address Breakdown
Residential
16,807
Single Family
16,028
Multi-Family
779
Businesses
948
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 63304, Saint Charles, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,153 (100%) |
| Owner Occupied HU | 14,356 (83.7%) |
| Renter Occupied HU | 2,290 (13.4%) |
| Vacant Housing Units | 507 ( 3.0%) |
| Median Home Value | $364,905 |
| Average Home Value | $408,403 |
Housing Distribution
Address Breakdown
Residential
16,807
Single Family
16,028
Multi-Family
779
Businesses
948
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mike Price • Lombardo Homes of St. Louis, LLC
Mls Name: MARIS
Mls ID: #25073313