317 E School StLincolnKS67455
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 317 E School St, Lincoln, KS, 67455 in Lincoln is narrow, $141/mo net on $1,405/mo rent after the $854/mo debt service, but the property operates at break-even-plus, not a loss. At $190,000 with a 8.87% yield, the long-run equity case via 5% appreciation ($52,494 over five years) and $1,750/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.65 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $81,519.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.0% |
| Monthly Cash Flow | $141 | $150 |
City averages based on Lincoln 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 | $1,405 |
| Total Monthly Debt Service | $1,188 |
| DSCR Ratio | 1.18x |
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 1942
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67455, Lincoln, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 956 (100%) |
| Owner Occupied HU | 574 (60.0%) |
| Renter Occupied HU | 176 (18.4%) |
| Vacant Housing Units | 206 (21.5%) |
| Median Home Value | $93,043 |
| Average Home Value | $118,702 |
Housing Distribution
Address Breakdown
Residential
811
Single Family
780
Multi-Family
31
Businesses
133
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 1942
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67455, Lincoln, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 956 (100%) |
| Owner Occupied HU | 574 (60.0%) |
| Renter Occupied HU | 176 (18.4%) |
| Vacant Housing Units | 206 (21.5%) |
| Median Home Value | $93,043 |
| Average Home Value | $118,702 |
Housing Distribution
Address Breakdown
Residential
811
Single Family
780
Multi-Family
31
Businesses
133
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices