DSCR-ready — financeable this week
$57,500Carondelet · South City
6434 Virginia Ave
4 bd · 2 ba · 1,760 sqft · $33/sqft
Est. rent: ~$1,275/mo Est. PITIA (25% down, 30-yr non-QM @ ~7.25%): ~$486
Est. DSCR: ~2.6 — strongest cash-flow math on the sheet — four bedrooms, south-city rents, and a loan small enough that taxes barely move the payment
DSCR-FINANCEABLE NOW
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$50,000Castle Point · North County
10357 Prince Dr
4 bd · 1 ba · 1,125 sqft · price cut $75K → $50K
Est. rent: ~$1,100/mo Est. PITIA (25% down, 30-yr non-QM @ ~7.25%): ~$448
Est. DSCR: ~2.4 — I flagged this at $75,000 in Issue #1. It is down 33% in four weeks. Find out why before you decide what it's worth
⚠ PRICE CUT · DSCR-FINANCEABLE
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$79,000Dutchtown · South City
5518 Idaho Ave
3 bd · 2 ba · 2,024 sqft · $39/sqft
Est. rent: ~$1,300/mo Est. PITIA (25% down, 30-yr non-QM @ ~7.25%): ~$630
Est. DSCR: ~2.1 — two full baths and 2,000+ sqft under $40/sqft — an uncommon combination in south city
DSCR-FINANCEABLE NOW
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$69,900Spanish Lake · North County
10308 Galloway Dr
3 bd · 1 ba · 844 sqft
Est. rent: ~$1,050/mo Est. PITIA (25% down, 30-yr non-QM @ ~7.25%): ~$585
Est. DSCR: ~1.8 — small and simple — the kind of file that underwrites without drama
DSCR-FINANCEABLE NOW
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$89,500Bellefontaine Nbrs · North County
2646 Farber Dr
3 bd · 1.5 ba · 1,052 sqft
Est. rent: ~$1,150/mo Est. PITIA (25% down, 30-yr non-QM @ ~7.25%): ~$725
Est. DSCR: ~1.6 — the half-bath adds rentability without adding much price
DSCR-FINANCEABLE NOW
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$95,000Belle Crest · North County
9337 Laramie Dr
3 bd · 1 ba · 1,048 sqft · new this week
Est. rent: ~$1,200/mo Est. PITIA (25% down, 30-yr non-QM @ ~7.25%): ~$767
Est. DSCR: ~1.6 — solid brick ranch, attached garage, finished lower level — listed as a renovate-and-hold
DSCR-FINANCEABLE NOW
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$110,000Spanish Lake · North County
10205 Gourock Dr
3 bd · 1 ba · 1,632 sqft
Est. rent: ~$1,250/mo Est. PITIA (25% down, 30-yr non-QM @ ~7.25%): ~$880
Est. DSCR: ~1.4 — most square footage in the financeable band this week
DSCR-FINANCEABLE NOW
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$110,000JeffVanderLou · North City
3015 Whittier St
8 bd · 8 ba · 4,070 sqft · $27/sqft
Est. after-repair value: $260K–$400K+ — ★ eight beds, eight baths — a multi-unit building priced like a single-family. If the unit count and zoning check out, this is the highest-leverage line on the sheet
Path: cash/bridge purchase → rehab → DSCR cash-out refi at the new value
★ BIGGEST UPSIDE THIS WEEK
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$89,900Central West End edge
4253 Enright Ave
5 bd · 3.5 ba · 2,300 sqft · $39/sqft
Est. after-repair value: $200K–$300K — 63108 is the CWE zip. The block matters enormously here — but the zip does real work on the refi appraisal
Path: cash/bridge purchase → rehab → DSCR cash-out refi at the new value
VALUE-ADD / BRRRR
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$29,900Fairground · North City
4410 Red Bud Ave
3 bd · 1 ba · 1,610 sqft · $19/sqft · new this week
Est. after-repair value: $85K–$130K — tall ceilings, original wood staircase, big lot — brick with the bones intact
Path: cash/bridge purchase → rehab → DSCR cash-out refi at the new value
VALUE-ADD / BRRRR
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$39,500Kingsway · North City
4327 N Taylor Ave
3 bd · 2 ba · 1,457 sqft · $27/sqft · new this week
Est. after-repair value: $95K–$140K — ranch with circle drive and garage, sold as-is — two full baths already in place
Path: cash/bridge purchase → rehab → DSCR cash-out refi at the new value
VALUE-ADD / BRRRR
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$49,900Penrose · North City
4877 Calvin Ave
3 bd · 2 ba · 1,368 sqft · $36/sqft
Est. after-repair value: $105K–$150K — top of the value band — the closest thing here to a light rehab
Path: cash/bridge purchase → rehab → DSCR cash-out refi at the new value
VALUE-ADD / BRRRR
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Have a deal? Send it — I'll run the numbers.
DSCR pre-qual on the property's cash flow, not your tax returns. Licensed in Missouri and California. Investor scenarios welcome — BRRRR, LTR, STR, LLC-titled.
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This week's market read
St. Louis city is at $152/sqft, up 3.8% year over year, with homes going under contract in about 29 days — the same pace as a year ago. Under $130K with 3+ bedrooms there are 246 active houses right now. Rates are the story this month. DSCR product is running roughly 6.25%–8% depending on credit, LTV and prepay structure; well-qualified files see low-to-mid 6s, but loans under $100K price worse — which is why the math above assumes ~7.25% rather than a headline rate. Conventional is pushing toward 7% and there is no Fed meeting until September, so investors are locking rather than waiting on a cut. South city (Carondelet, Dutchtown) carries the strongest rent-to-price; north county (Spanish Lake, Bellefontaine, Castle Point) remains the cash-flow core — and most north-county municipalities require an occupancy inspection between tenants, which is a real line item, not a formality. Section 8 FMR runs about $1,100–$1,400 for a 3BR.