17720 98th Rd Lot BHoytKS66440
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 17720 98th Rd Lot B, Hoyt, KS, 66440 in Hoyt worth study. Rental yield 3.79%. The 3.79% gross yield is below cash-flow benchmarks at $399,000, but 5% annual appreciation, adding $110,236 over five years, frames this as a capital growth position. Rent of $1,260/mo partially offsets the $1,794/mo payment. Ziffy Mortgage finances appreciation-play properties (0.70 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $62,405.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 5.5% |
| Monthly Cash Flow | $(1,394) | $120 |
City averages based on Hoyt market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,260 |
| Total Monthly Debt Service | $2,496 |
| DSCR Ratio | 0.50x |
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 1979
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66440, Hoyt, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 834 (100%) |
| Owner Occupied HU | 657 (78.8%) |
| Renter Occupied HU | 117 (14.0%) |
| Vacant Housing Units | 60 ( 7.2%) |
| Median Home Value | $198,459 |
| Average Home Value | $214,365 |
Housing Distribution
Address Breakdown
Residential
704
Single Family
704
Multi-Family
0
Businesses
22
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 1979
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66440, Hoyt, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 834 (100%) |
| Owner Occupied HU | 657 (78.8%) |
| Renter Occupied HU | 117 (14.0%) |
| Vacant Housing Units | 60 ( 7.2%) |
| Median Home Value | $198,459 |
| Average Home Value | $214,365 |
Housing Distribution
Address Breakdown
Residential
704
Single Family
704
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices