120 W 1st StSaint FrancisKS67756
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 120 W 1st St, Saint Francis, KS, 67756 in Saint Francis worth modelling. At $190,000 with a 9.13% gross yield, the $1,446/mo rent leaves $182/mo after the $854/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.69 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $52,494 by year five; $1,750/yr in principal reduction adds further equity. Total projected return: $84,159.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.5% |
| Monthly Cash Flow | $182 | $450 |
City averages based on Saint Francis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,446 |
| Total Monthly Debt Service | $1,188 |
| DSCR Ratio | 1.22x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 N/A
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67756, Saint Francis, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,100 (100%) |
| Owner Occupied HU | 701 (63.7%) |
| Renter Occupied HU | 202 (18.4%) |
| Vacant Housing Units | 197 (17.9%) |
| Median Home Value | $145,640 |
| Average Home Value | $160,132 |
Housing Distribution
Address Breakdown
Residential
602
Single Family
592
Multi-Family
10
Businesses
130
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 N/A
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67756, Saint Francis, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,100 (100%) |
| Owner Occupied HU | 701 (63.7%) |
| Renter Occupied HU | 202 (18.4%) |
| Vacant Housing Units | 197 (17.9%) |
| Median Home Value | $145,640 |
| Average Home Value | $160,132 |
Housing Distribution
Address Breakdown
Residential
602
Single Family
592
Multi-Family
10
Businesses
130
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debbie Reed • Hayden Outdoors Real Estate
Mls Name: NY State MLS
Mls ID: #11542483