100 E 8th StOnagaKS66521
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 100 E 8th St, Onaga, KS, 66521 in Onaga. Rental yield 2.98%. At $239,000 with 2.98% gross yield, current distributions are modest, but the 5% appreciation rate projects $66,031 in new equity by year five, complemented by $2,201/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.55) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $27,013.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.5% |
| Monthly Cash Flow | $(996) | $500 |
City averages based on Onaga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $594 |
| Total Monthly Debt Service | $1,495 |
| DSCR Ratio | 0.40x |
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 1905
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66521, Onaga, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 698 (100%) |
| Owner Occupied HU | 432 (61.9%) |
| Renter Occupied HU | 165 (23.6%) |
| Vacant Housing Units | 101 (14.5%) |
| Median Home Value | $197,115 |
| Average Home Value | $269,948 |
Housing Distribution
Address Breakdown
Residential
565
Single Family
558
Multi-Family
7
Businesses
56
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 1905
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66521, Onaga, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 698 (100%) |
| Owner Occupied HU | 432 (61.9%) |
| Renter Occupied HU | 165 (23.6%) |
| Vacant Housing Units | 101 (14.5%) |
| Median Home Value | $197,115 |
| Average Home Value | $269,948 |
Housing Distribution
Address Breakdown
Residential
565
Single Family
558
Multi-Family
7
Businesses
56
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices