BRRRR · Market Playbook
How to BRRRR in St. Louis, MO
BRRRR in St. Louis is a 8.88% gross yield play — $1,379/mo rent on a $186k median. Whether that cash-flows depends on your debt cost.
Data: Zillow Research (via scrape.do) · As of April 2026
St. Louis is one of the better BRRRR markets in the country right now — strong yield, stable to appreciating prices, refis pencil.
- → Gross yield 8.88% — above national baseline
- → Rent $1,379/mo vs. national $1,930 — rent-weak
- → DSCR expectation at 75% LTV / 7.5%: 1.20+ comfortable
- → Appreciation risk to refi: flat — neutral
Start with the gross math. St. Louis's typical home value is $186,427; ZORI (Zillow's rent index) sits at $1,379/mo. That's 8.88% gross annual yield. That's well above the national 4-5% baseline — meaningful cushion for a BRRRR to pencil even at today's debt cost.
Run the DSCR sanity check. Assume 75% LTV refi at 7.5% interest, 30-year, plus taxes + insurance + 8% PM + 8% vacancy/capex reserve. On these inputs you should clear DSCR 1.20+ in St. Louis with comfortable headroom. Cash-flow at $200-400/door is achievable on a properly underwritten property.
Rent demand color: St. Louis rents ($1,379) sit 29% below the national median ($1,930). Local rent is the constraint here — even at favorable acquisition prices, the rent side of the math is the limiting factor.
Refi appraisal risk: St. Louis home values are flat YoY — refi appraisals should support your renovated comp on a properly scoped rehab. No softening tailwind to worry about, no appreciation tailwind to lean on.
St. Louis at a glance
The numbers above pull from the full St. Louis market report.
- Median value
- $186k
- YoY
- +0.2%
- Median rent
- $1,379
- Gross yield
- 8.88%
Other strategies for St. Louis
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