316 N 9th StTowandaKS67144
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 316 N 9th St, Towanda, KS, 67144 in Towanda is narrow, $163/mo net on $1,310/mo rent after the $776/mo debt service, but the property operates at break-even-plus, not a loss. At $172,500 with a 9.12% yield, the long-run equity case via 5% appreciation ($47,659 over five years) and $1,589/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $76,193.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.0% |
| Monthly Cash Flow | $163 | $450 |
City averages based on Towanda market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,310 |
| Total Monthly Debt Service | $1,079 |
| 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 1959
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67144, Towanda, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,177 (100%) |
| Owner Occupied HU | 901 (76.6%) |
| Renter Occupied HU | 169 (14.4%) |
| Vacant Housing Units | 107 ( 9.1%) |
| Median Home Value | $235,680 |
| Average Home Value | $266,287 |
Housing Distribution
Address Breakdown
Residential
880
Single Family
880
Multi-Family
0
Businesses
46
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 1959
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67144, Towanda, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,177 (100%) |
| Owner Occupied HU | 901 (76.6%) |
| Renter Occupied HU | 169 (14.4%) |
| Vacant Housing Units | 107 ( 9.1%) |
| Median Home Value | $235,680 |
| Average Home Value | $266,287 |
Housing Distribution
Address Breakdown
Residential
880
Single Family
880
Multi-Family
0
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices