DSCR-ready — financeable this week
$90,000Carondelet · South City
7909 Pennsylvania Ave
3 bd · 2 ba · 1,088 sqft
Est. rent: ~$1,250/mo Est. PITIA (25% down, 30-yr non-QM): ~$690
Est. DSCR: ~1.7–1.8 — strongest cash-flow math on this week's sheet
DSCR-FINANCEABLE NOW
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$89,000Carondelet / Patch
414 Fassen St
3 bd · 1 ba · 1,500 sqft
Est. rent: ~$1,250/mo Est. PITIA: ~$680
Est. DSCR: ~1.7–1.8 — 1,500 sqft at $59/sqft in south city
DSCR-FINANCEABLE NOW
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$75,000Castle Point · North County
10357 Prince Dr
3 bd · 1 ba · 1,125 sqft
Est. rent: ~$1,100/mo Est. PITIA: ~$590
Est. DSCR: ~1.8 — entry-level price, check lender minimums
DSCR-FINANCEABLE (near loan-size floors)
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$115,000Glasgow Village · North County
300 Estridge Rd
3 bd · 1 ba · 924 sqft
Est. rent: ~$1,150/mo Est. PITIA: ~$840
Est. DSCR: ~1.3–1.4
DSCR-FINANCEABLE NOW
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$128,000Ferguson · North County
1372 Heydt Ave
4 bd · 1 ba · 1,471 sqft · new this week
Est. rent: ~$1,350/mo Est. PITIA: ~$940
Est. DSCR: ~1.4 — 4-bedroom, likely near rent-ready
DSCR-FINANCEABLE NOW
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Value-add — buy, renovate, refinance
These don't qualify for DSCR financing as-is (too cheap or too rough) — the play is cash or hard-money in, renovate, then refinance into a DSCR loan at the new value. That refinance is exactly what I do.
$64,900Academy / Fountain Park
5142 Vernon Ave
5 bd · 2 ba · 2,736 sqft · $24/sqft
Est. after-repair value: $150K–$220K — big brick near the Fountain Park renovation wave
Path: cash/bridge purchase → rehab → DSCR cash-out refi at the new value
★ BIGGEST UPSIDE THIS WEEK
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$49,900O'Fallon · North City
4412 Clarence Ave
3 bd · 3 ba · 2,410 sqft · $21/sqft
Est. after-repair value: $110K–$150K — rare 3-bath at this price
Path: cash purchase → rehab → DSCR refi
VALUE-ADD / BRRRR
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$45,000Gravois Park · South City
4031 California Ave
2 bd · 2 ba · 1,650 sqft · new this week
Est. after-repair value: $120K–$170K — south-city brick, strongest comps in the value tier
Path: cash purchase → rehab → DSCR refi
VALUE-ADD / BRRRR
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$29,900Hyde Park · North City
3924 N 19th St
3 bd · 2 ba · 1,700 sqft · $18/sqft
Est. after-repair value: $85K–$130K — Hyde Park renovation activity rising
Path: cash purchase → rehab → DSCR refi
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: ~2,939 active listings · median $188K–$195K ($137–139/sqft, down 4–5% YoY) · ~43 days on market. The DSCR-ready band ($50K–$130K) holds 858 properties; the value-add band under $50K holds 247. South city (Carondelet, Gravois Park) carries the strongest rents; north county (Ferguson, Dellwood, Castle Point, Glasgow Village) is the cash-flow core — note most north-county municipalities require occupancy inspections between tenants. Section 8 FMR runs ~$1,100–$1,400 for 3BR.