19602 59th HwySaint JosephMO64504
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 19602 59th Hwy, Saint Joseph, MO, 64504 in Saint Joseph. Rental yield 2.31%. At $749,450 with 2.31% gross yield, current distributions are modest, but the 5% appreciation rate projects $207,059 in new equity by year five, complemented by $6,903/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.43) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $76,624.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 6.2% |
| Monthly Cash Flow | $(3,227) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $4,369 |
| DSCR Ratio | 0.33x |
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 1972
4.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64504, Saint Joseph, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,679 (100%) |
| Owner Occupied HU | 2,999 (64.1%) |
| Renter Occupied HU | 1,109 (23.7%) |
| Vacant Housing Units | 571 (12.2%) |
| Median Home Value | $145,305 |
| Average Home Value | $190,535 |
Housing Distribution
Address Breakdown
Residential
4,238
Single Family
4,154
Multi-Family
84
Businesses
274
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 1972
4.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64504, Saint Joseph, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,679 (100%) |
| Owner Occupied HU | 2,999 (64.1%) |
| Renter Occupied HU | 1,109 (23.7%) |
| Vacant Housing Units | 571 (12.2%) |
| Median Home Value | $145,305 |
| Average Home Value | $190,535 |
Housing Distribution
Address Breakdown
Residential
4,238
Single Family
4,154
Multi-Family
84
Businesses
274
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: #2624534