305 E Cynthia StMc LouthKS66054
INVESTMENT ANALYSIS
Investment Verdict
Solid Income305 E Cynthia St, Mc Louth, KS, 66054 in Mc Louth earns a respectable 9.1% gross yield at $175,000, but after the $787/mo mortgage the net cash flow is $163/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.69) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $48,349 over five years, making equity the dominant return driver. Total projected return: $77,217.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.0% |
| Monthly Cash Flow | $163 | $350 |
City averages based on Mc Louth market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,327 |
| Total Monthly Debt Service | $1,095 |
| DSCR Ratio | 1.21x |
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 1890
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66054, Mc Louth, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,241 (100%) |
| Owner Occupied HU | 920 (74.1%) |
| Renter Occupied HU | 177 (14.3%) |
| Vacant Housing Units | 144 (11.6%) |
| Median Home Value | $293,750 |
| Average Home Value | $370,141 |
Housing Distribution
Address Breakdown
Residential
987
Single Family
987
Multi-Family
0
Businesses
45
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 1890
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66054, Mc Louth, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,241 (100%) |
| Owner Occupied HU | 920 (74.1%) |
| Renter Occupied HU | 177 (14.3%) |
| Vacant Housing Units | 144 (11.6%) |
| Median Home Value | $293,750 |
| Average Home Value | $370,141 |
Housing Distribution
Address Breakdown
Residential
987
Single Family
987
Multi-Family
0
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Randy J Hubbard • TOWN AND COUNTRY REAL ESTATE
Mls Name: LBORMLS
Mls Provider:
Mls ID: #162125
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 2024. 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.