18392 Effingham RdValley FallsKS66088
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 18392 Effingham Rd, Valley Falls, KS, 66088 in Valley Falls worth study. Rental yield 0.88%. The 0.88% gross yield is below cash-flow benchmarks at $1,150,000, but 5% annual appreciation, adding $317,724 over five years, frames this as a capital growth position. Rent of $840/mo partially offsets the $5,171/mo payment. Ziffy Mortgage finances appreciation-play properties (0.16 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $98.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0.9% | 6.2% |
| Monthly Cash Flow | $(6,811) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $840 |
| Total Monthly Debt Service | $7,193 |
| DSCR Ratio | 0.12x |
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 2001
87.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66088, Valley Falls, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,029 (100%) |
| Owner Occupied HU | 693 (67.3%) |
| Renter Occupied HU | 228 (22.2%) |
| Vacant Housing Units | 108 (10.5%) |
| Median Home Value | $176,025 |
| Average Home Value | $223,748 |
Housing Distribution
Address Breakdown
Residential
950
Single Family
928
Multi-Family
22
Businesses
72
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 2001
87.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66088, Valley Falls, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,029 (100%) |
| Owner Occupied HU | 693 (67.3%) |
| Renter Occupied HU | 228 (22.2%) |
| Vacant Housing Units | 108 (10.5%) |
| Median Home Value | $176,025 |
| Average Home Value | $223,748 |
Housing Distribution
Address Breakdown
Residential
950
Single Family
928
Multi-Family
22
Businesses
72
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Gerety • PIA FRIEND REALTY
Mls Name: LBORMLS
Mls Provider:
Mls ID: #163515
Disclaimer: The data displayed on this page is confidential, proprietary, and copyrighted data of Lawrence Multiple Listing Service, Inc., of the Lawrence, Kansas, Board of REALTORS, Copyright 2025. Lawrence Multiple Listing Service, Inc., and Zillow, Inc. do not make any warranty or representation concerning the timeliness or accuracy of the data displayed herein. In consideration for the receipt of the data on this page, the recipient agrees to use the data solely for the private non-commercial purpose of identifying a property in which the recipient has a good faith interest in acquiring.