2809 County Road 430OakleyKS67748
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2809 County Road 430, Oakley, KS, 67748 in Oakley is capital appreciation. Rental yield 3%. The 3% gross yield at $620,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $171,295 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.56) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $70,584.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 7.0% |
| Monthly Cash Flow | $(2,576) | $150 |
City averages based on Oakley 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 | $1,549 |
| Total Monthly Debt Service | $3,878 |
| DSCR Ratio | 0.40x |
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 N/A
82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67748, Oakley, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,186 (100%) |
| Owner Occupied HU | 719 (60.6%) |
| Renter Occupied HU | 325 (27.4%) |
| Vacant Housing Units | 142 (12.0%) |
| Median Home Value | $152,500 |
| Average Home Value | $178,029 |
Housing Distribution
Address Breakdown
Residential
1,066
Single Family
1,039
Multi-Family
27
Businesses
167
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
82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67748, Oakley, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,186 (100%) |
| Owner Occupied HU | 719 (60.6%) |
| Renter Occupied HU | 325 (27.4%) |
| Vacant Housing Units | 142 (12.0%) |
| Median Home Value | $152,500 |
| Average Home Value | $178,029 |
Housing Distribution
Address Breakdown
Residential
1,066
Single Family
1,039
Multi-Family
27
Businesses
167
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices