205 S 4th StSaint MarysKS66536
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 205 S 4th St, Saint Marys, KS, 66536 in Saint Marys at $178,000, 5.87% gross yield, is a market-growth asset. Rental yield 5.87%. The $870/mo rent partially funds the $800/mo debt service; the core return is the 5%/yr price growth projected to add $49,178 over five years. Ziffy Mortgage's DSCR mortgage (1.09) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $47,711.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 8.5% |
| Monthly Cash Flow | $(314) | $350 |
City averages based on Saint Marys market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $870 |
| Total Monthly Debt Service | $1,113 |
| DSCR Ratio | 0.78x |
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 1960
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66536, Saint Marys, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,339 (100%) |
| Owner Occupied HU | 911 (68.0%) |
| Renter Occupied HU | 323 (24.1%) |
| Vacant Housing Units | 105 ( 7.8%) |
| Median Home Value | $217,222 |
| Average Home Value | $244,300 |
Housing Distribution
Address Breakdown
Residential
1,230
Single Family
1,230
Multi-Family
0
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 1960
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66536, Saint Marys, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,339 (100%) |
| Owner Occupied HU | 911 (68.0%) |
| Renter Occupied HU | 323 (24.1%) |
| Vacant Housing Units | 105 ( 7.8%) |
| Median Home Value | $217,222 |
| Average Home Value | $244,300 |
Housing Distribution
Address Breakdown
Residential
1,230
Single Family
1,230
Multi-Family
0
Businesses
130
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Sunflower AOR
Mls ID: #243304