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2847 Wyoming St
D Composite 42.52
Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • ARV discount +15.0/15.0
  • Cash flow +10.7/30.0
  • Condition / age +4.0/5.0
  • Rent growth +3.7/5.0
  • 1% rule +3.1/10.0
  • DSCR +3.1/10.0
  • Livability +2.5/5.0
  • Schools +0.4/10.0
  • Appreciation +0.0/10.0

$243,900

2847 Wyoming St · St. Louis, MO 63118
4 bd · 2.5 ba · 2,369 sqft · Townhouse · 186 Days on market
Built 1885 Good condition $103/sqft · 19% below area Est $302k · 19% under ↓ 22% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

Three floors, 2,369 sq ft, and room to spread out on every level. This 4-bed, 2.5-bath Benton Park West townhome has tall ceilings, big windows, and the bright, easy feel you want in a classic South City brick home. The kitchen has cabinet space for days. Laundry is right on the first floor, so no hauling baskets up and down stairs. The whole third floor is its own suite-style level, with a primary bedroom plus a bonus room for an office, lounge, or reading nook. Every bedroom has real room to breathe. Out back there's a private yard for gardening, grilling, or a quiet evening outside, plus off-street parking, which is a big deal on a city block.

Key facts

  • Parking
  • Built 1885
  • Listed 185 days

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.5-bath townhouse listed at $244k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-117 ($-1k/yr) — negative.
  • To cash-flow at today's rent, offer at most $227k (6.9% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $199k (18.6% below list).
  • Recommended offer: $199k (18.6% below list) — sets the bar for 1% rule.
  • Cap rate 5.7% vs local median 4.7% in St. Louis — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

  • Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
  • St. Louis City (urban): math 10% / reading 18% proficiency, ranked #312 of 324 in MO (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Sigel Elem. Comm. Ed. Ctr. (math 2% / reading 2%, grade F, #1,099 of 1,115 statewide, top 100%, 219 students, 99% FRL); Gateway Middle (math 0% / reading 8%, grade F, #389 of 391 statewide, top 100%, 506 students, 99% FRL); Roosevelt High (math 2% / reading 8%, grade F, #517 of 521 statewide, top 100%, 460 students, 99% FRL) — zoned schools average 99% FRL vs 80% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents rising fast (+4.9%/yr); 449 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 52d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% of comp listings sitting > 30 days — soft ceiling on asking rent; 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).
  • This rent runs 41% of the median local income ($58k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
  • St. Louis County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

  • It's been on market 186 days — a 12% lower offer ($215k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts; this cycle's ask has dropped $26k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: built in 1885 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $198,556 (18.6% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 186 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
  3. Built in 1885 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.81% ✗
Cap rate
5.72%
Cash-on-cash
-2.05%
DSCR
0.91
GRM
10.2

CMA / ARV

ARV (median comp)
$301,742
List price
$243,900
Delta
-19.17%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 6 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2845 Wyoming St 0.01mi 3/2.5 (-1) 2,428 (+2%) 0mo $249,900 $103 90
3411 Oregon Ave 0.29mi 3/2.5 (-1) 2,404 (+2%) 10mo $349,000 $145 70
2312 Pestalozzi St 0.47mi 3/3.5 (-1) 2,400 (+1%) 0mo $410,000 $171 67
1931 Arsenal St 0.67mi 3/2.5 (-1) 2,284 (-4%) 12mo $250,000 $109 48
3143 Arsenal St 0.35mi 3/2.5 (-1) 2,109 (-11%) 15mo $305,000 $145 48
2721 Mcnair Ave 0.69mi 3/3.5 (-1) 2,496 (+5%) 18mo $469,900 $188 35

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 4.89% rent growth · sell at horizon

5-year hold
IRR
-17.6%
Equity multiple
0.37×
Total profit
$-43,094
Equity at exit
$36,366
10-year hold
IRR
-6.5%
Equity multiple
0.55×
Total profit
$-30,587
Equity at exit
$21,088

Cash invested: $68,292 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
81 Strongly Landlord-Friendly
State Missouri
81 Strongly Landlord-Friendly · R+10
County
— inherits STATE
City
— inherits STATE
Generally landlord-friendly; St Louis has some habitability requirements.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
9 active · 4 under contract
Months of supply
10.8 mo (9%/mo absorbed)
Median asking
$324,900 ($148/sqft)
Median days on market
81 d
This list price
11% of active listings are priced below it
ARV vs active asking
-14.0% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 63118

Rents YoY
4.9%
Active inventory
449
Price-to-rent
10.2×

Monthly cashflow live

Estimated rent
$1,986 high interval (Pro) →
Mortgage (P&I)
−$1,279
Tax est. 1.5%
−$305 /mo · $3,658/yr
Insurance
−$102
HOA
−$0
Vacancy / Maint / Mgmt
−$417
Net cashflow
$-117

Break-even live

Break-even rent $2,134
Max offer price $226,978
Occupancy floor —

Sensitivity live

Price -10% $52 -5% $-33 +0% $-117 +5% $-201 +10% $-285
Rent -10% $-274 -5% $-195 +0% $-117 +5% $-39 +10% $40
Rate -1.0pp $6 -0.5pp $-55 base $-117 +0.5pp $-180 +1.0pp $-244

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$60,975
Closing costs
$7,317
Reserves months
—
Total cash needed
—

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3232 California Ave Unit 3232 St. Louis, MO 3.0 1.0 2200 $1,200 $0.55 15d 1 0.15mi
3337 Oregon Ave Saint Louis, MO 3.0 3.0 2330 $2,300 $0.99 6d 1 0.22mi
2643 Wyoming St Saint Louis, MO 3.0 2.5 2592 $2,600 $1.00 184d 1 0.24mi
3011 Minnesota Ave Saint Louis, MO 3.0 1.5 2730 $1,850 $0.68 87d 1 0.31mi
3011 Minnesota Ave Saint Louis, MO 4.0 1.5 2665 $1,900 $0.71 112d 1 0.31mi
3145 Cherokee St Saint Louis, MO 3.0 1.5 1824 $1,650 $0.90 55d 1 0.36mi
3438 California Ave Unit Na St. Louis, MO 4.0 1.5 1906 $2,650 $1.39 10d 1 0.37mi
3452 Oregon Ave Saint Louis, MO 3.0 2.5 1914 $2,500 $1.31 2d 1 0.38mi
3429 Ohio Ave Saint Louis, MO 3.0 3.0 1938 $2,250 $1.16 157d 1 0.40mi
3005 S Compton Ave Saint Louis, MO 3.0 2.0 3340 $1,599 $0.48 10d 1 0.40mi
2812 Nebraska Ave Saint Louis, MO 3.0 2.0 1863 $2,000 $1.07 6d 1 0.42mi
3510 California Ave Saint Louis, MO 3.0 2.0 1800 $1,200 $0.67 184d 1 0.44mi
3324 Louisiana Ave Saint Louis, MO 3.0 3.0 2028 $2,450 $1.21 10d 1 0.45mi
3531 Oregon Ave Saint Louis, MO 3.0 2.0 1800 $1,025 $0.57 0d 1 0.47mi
3009 Magnolia Ave Unit 3009 St. Louis, MO 3.0 2.0 1938 $1,800 $0.93 10d 1 0.49mi
3552 Nebraska Ave Saint Louis, MO 3.0 1.5 1764 $1,600 $0.91 10d 1 0.51mi
2648 California Ave Unit Na St. Louis, MO 4.0 2.0 2458 $2,300 $0.94 45d 1 0.51mi
2648 California Ave Saint Louis, MO 4.0 2.0 2458 $2,200 $0.90 2d 1 0.51mi
3001 Miami St Saint Louis, MO 3.0 3.0 1725 $1,925 $1.12 37d 1 0.52mi
3001 Miami St Saint Louis, MO 3.0 3.0 1725 $1,875 $1.09 10d 1 0.52mi
3540 Michigan Ave Saint Louis, MO 4.0 2.0 1758 $1,800 $1.02 122d 1 0.53mi
3219 Magnolia Ave Saint Louis, MO 4.0 2.5 2174 $2,150 $0.99 109d 1 0.58mi
2918 Sidney St Saint Louis, MO 3.0 2.0 1680 $1,900 $1.13 2d 1 0.59mi
2811 Missouri Ave Saint Louis, MO 4.0 2.5 2673 $3,622 $1.36 184d 1 0.59mi
3438 Magnolia Ave Saint Louis, MO 3.0 2.0 2100 $2,300 $1.10 115d 1 0.67mi
3637 S Compton Ave St. Louis, MO 3.0 3.0 1927 $3,200 $1.66 122d 1 0.67mi
3709 Minnesota Ave Saint Louis, MO 4.0 2.0 1950 $2,100 $1.08 51d 1 0.69mi
3711 Minnesota Ave Saint Louis, MO 4.0 2.0 1950 $2,100 $1.08 112d 1 0.70mi
3628 Wyoming St Unit 2F St. Louis, MO 4.0 1.0 1700 $1,950 $1.15 10d 1 0.70mi
3458 Giles Ave Saint Louis, MO 3.0 2.5 2204 $2,400 $1.09 148d 1 0.83mi
3303 Chippewa St Saint Louis, MO 4.0 2.0 1632 $1,380 $0.85 10d 1 0.84mi
3303 Chippewa St Saint Louis, MO 4.0 2.0 1632 $1,495 $0.92 87d 1 0.84mi
2253 Indiana Ave Saint Louis, MO 4.0 3.5 1760 $2,600 $1.48 148d 1 0.88mi
2127 Chippewa St Saint Louis, MO 4.0 2.0 2000 $1,800 $0.90 0d 1 0.90mi
3131 Keokuk St Unit 3129 St. Louis, MO 3.0 2.0 1600 $1,325 $0.83 7d 1 0.91mi
3129 Keokuk St Saint Louis, MO 3.0 2.0 1600 $1,325 $0.83 7d 1 0.91mi
3658 Salena St Saint Louis, MO 3.0 3.0 2052 $2,000 $0.97 101d 1 0.91mi
3526 S Spring Ave Saint Louis, MO 4.0 2.0 2244 $2,500 $1.11 127d 1 0.94mi
3807 Potomac St Saint Louis, MO 3.0 1.0 2588 $1,200 $0.46 134d 1 1.01mi
3807 Potomac St Saint Louis, MO 3.0 1.0 2588 $1,100 $0.43 184d 1 1.01mi

Property features AI

Finance

Other
Seller may consider concessionsHome warranty not includedLease not considered

Exterior

Parking
Off-street parking for 1 vehicle
Utilities
Public waterPublic sewerElectric service (Ameren)Electricity and natural gas available and connectedWater and sewer available and connected
Home design
Residential townhouseThree or more levelsEstimated living area 2,369 (above grade finished area estimated)
Construction
Brick exteriorArchitectural shingle and flat roof
Exterior features
Front and rear porchesBack yard with wood fencingFew trees

Interior

Kitchen
Kitchen with stainless steel appliances
Bedrooms
4 bedrooms (all on upper levels)
Bathrooms
2 full baths1 half bath
Heating & cooling
Natural gas heatingCeiling fansZoned cooling
Interior features
Stainless steel appliancesUnfinished basement
Laundry & utility
Dedicated laundry room

Listing history 50 events

  1. 2026-11-08
    days on market $243,900 Active 186 DOM
  2. 2026-11-07
    days on market $243,900 Active 185 DOM
  3. 2026-11-07
    price $243,900 Active 184 DOM
  4. 2026-11-06
    days on market $244,900 Active 184 DOM
  5. 2026-11-06
    remarks 699-char remark
  6. 2026-11-05
    days on market $244,900 Active 183 DOM
  7. 2026-11-04
    days on market $244,900 Active 182 DOM
  8. 2026-11-02
    days on market $244,900 Active 180 DOM
  9. 2026-11-01
    days on market $244,900 Active 179 DOM
  10. 2026-10-31
    days on market $244,900 Active 178 DOM
  11. 2026-10-30
    days on market $244,900 Active 177 DOM
  12. 2026-10-29
    days on market $244,900 Active 176 DOM
  13. 2026-10-28
    days on market $244,900 Active 175 DOM
  14. 2026-10-27
    days on market $244,900 Active 174 DOM
  15. 2026-10-26
    days on market $244,900 Active 173 DOM
  16. 2026-10-25
    days on market $244,900 Active 172 DOM
  17. 2026-10-24
    days on market $244,900 Active 171 DOM
  18. 2026-10-23
    days on market $244,900 Active 170 DOM
  19. 2026-10-22
    days on market $244,900 Active 169 DOM
  20. 2026-10-21
    days on market $244,900 Active 168 DOM
  21. 2026-10-20
    days on market $244,900 Active 167 DOM
  22. 2026-10-19
    days on market $244,900 Active 166 DOM
  23. 2026-10-18
    days on market $244,900 Active 165 DOM
  24. 2026-10-17
    days on market $244,900 Active 164 DOM
  25. 2026-10-16
    days on market $244,900 Active 163 DOM
  26. 2026-10-15
    days on market $244,900 Active 162 DOM
  27. 2026-10-14
    days on market $244,900 Active 161 DOM
  28. 2026-10-13
    days on market $244,900 Active 160 DOM
  29. 2026-10-12
    days on market $244,900 Active 159 DOM
  30. 2026-10-11
    days on market $244,900 Active 158 DOM
  31. 2026-10-10
    days on market $244,900 Active 157 DOM
  32. 2026-10-09
    days on market $244,900 Active 156 DOM
  33. 2026-10-08
    days on market $244,900 Active 155 DOM
  34. 2026-10-07
    days on market $244,900 Active 154 DOM
  35. 2026-10-06
    days on market $244,900 Active 153 DOM
  36. 2026-10-05
    days on market $244,900 Active 152 DOM
  37. 2026-10-04
    days on market $244,900 Active 151 DOM
  38. 2026-10-03
    days on market $244,900 Active 150 DOM
  39. 2026-10-02
    days on market $244,900 Active 149 DOM
  40. 2026-10-01
    days on market $244,900 Active 148 DOM
  41. 2026-10-01
    price $244,900 Active 147 DOM
  42. 2026-09-30
    days on market $249,900 Active 147 DOM
  43. 2026-09-29
    days on market $249,900 Active 146 DOM
  44. 2026-09-28
    days on market $249,900 Active 145 DOM
  45. 2026-09-27
    days on market $249,900 Active 144 DOM
  46. 2026-09-25
    days on market $249,900 Active 142 DOM
  47. 2026-09-24
    days on market $249,900 Active 141 DOM
  48. 2026-09-23
    days on market $249,900 Active 140 DOM
  49. 2026-09-22
    days on market $249,900 Active 139 DOM
  50. 2026-09-21
    days on market $249,900 Active 138 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 5/10 Major 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$23,827
− Mortgage interest
−$13,662
− Property taxes
−$3,658
− Insurance
−$1,220
− Repairs & maintenance
−$1,906
− Management
−$1,906
− Depreciation
−$7,095
Taxable loss
−$5,621
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,349
After-tax cash flow
$-54/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab Est. rehab $11,845–$35,535 screening

This three-story townhome in Benton Park West is in excellent condition with modern updates and a great location.

Value-add opportunities

  • Both Painting exterior brick — Enhances curb appeal and can increase property value ↑
  • Both Landscaping improvements — Enhances curb appeal and can increase property value ↑
  • Both Add smart home features — Improves convenience and can increase property value ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 4/100

Zoned Schools

Elementary Sigel Elem. Comm. Ed. Ctr. F MO #1,099/1,115 Nat'l #41,309/41,679 Middle Gateway Middle F MO #389/391 Nat'l #13,918/14,009 High Roosevelt High F MO #517/521 Nat'l #16,861/17,239

Schools (NCES district)

District
St. Louis City
NCES district ID
2929280
Math proficiency
10% ▼ -6.00%
Reading proficiency
18% ▼ -3.00%
Median HH income
$35,685
Composite
11.54/100
National rank
#9699
State rank
#312 of 324 in MO

Livability — St. Louis

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

Census place
St. Louis, MO
County
Saint Louis City · 315,737 people
City population
283,259
Metro
St. Louis, MO-IL
Population (ZIP)
25,913
Household income
$57,762
Rent vs Own
56.1% rent · 43.9% own
Severe rent burden
6% of renters

Population outlook (St. Louis County) Hauer SSP2

Today (2025)
315,737 people
By 2030
313,865 · -0.6%
By 2040
305,439 · -3.3%
By 2050
296,529 · -6.1%
By 2075
271,028 · -14.2%
By 2100
255,359 · -19.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.63)
Race & ethnicity
White 44% Black 41% Two or more races 8% Hispanic / Latino 8% Asian 2%
Hispanic origin (detail)
Mexican 6%
Languages at home
90% English-only · Spanish 5% Vietnamese 1% French/Haitian/Cajun 1%

Political lean MEDSL · St. Louis

2024 margin
Solid D (+64.7) · D 81.4% · R 16.7% · Other 2.0%
2008→2024 swing
-3.5pp toward R · 2008: 68.2pp · 2024: 64.7pp
All cycles
2024: D+64.7 2020: D+66.2 2016: D+63.7 2012: D+66.6 2008: D+68.2

Not yet ingested

Civics
—

Price history

-22.1% since first listed
7 events — show timeline
  • 2026-06-10 Relisted — MARIS as Distributed by MLS Grid
  • 2026-05-21 Price Changed $264,900 MARIS as Distributed by MLS Grid
  • 2026-05-01 Listed $269,900 MARIS as Distributed by MLS Grid
  • 2026-04-30 Coming Soon $269,900 MARIS as Distributed by MLS Grid
  • 2025-11-21 Price Changed $319,900 MARIS as Distributed by MLS Grid
  • 2025-10-23 Price Changed $329,900 MARIS as Distributed by MLS Grid
  • 2025-09-10 Listed $339,900 MARIS as Distributed by MLS Grid

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…