114 E Howard StGirardKS66743
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play114 E Howard St, Girard, KS, 66743 in Girard is priced for appreciation, not yield. Rental yield 5.24%. At $192,500 with a 5.24% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $53,184 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.97) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $45,020.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 7.0% |
| Monthly Cash Flow | $(441) | $350 |
City averages based on Girard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $840 |
| Total Monthly Debt Service | $1,204 |
| DSCR Ratio | 0.70x |
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 1975
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66743, Girard, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,890 (100%) |
| Owner Occupied HU | 1,250 (66.1%) |
| Renter Occupied HU | 474 (25.1%) |
| Vacant Housing Units | 166 ( 8.8%) |
| Median Home Value | $151,656 |
| Average Home Value | $193,430 |
Housing Distribution
Address Breakdown
Residential
1,741
Single Family
1,715
Multi-Family
26
Businesses
186
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 1975
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66743, Girard, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,890 (100%) |
| Owner Occupied HU | 1,250 (66.1%) |
| Renter Occupied HU | 474 (25.1%) |
| Vacant Housing Units | 166 ( 8.8%) |
| Median Home Value | $151,656 |
| Average Home Value | $193,430 |
Housing Distribution
Address Breakdown
Residential
1,741
Single Family
1,715
Multi-Family
26
Businesses
186
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices