320 S Union StStaffordKS67578
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 320 S Union St, Stafford, KS, 67578 in Stafford at $140,000 earns $960/mo in rent and nets $29/mo after the $630/mo payment, a 8.23% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $38,679 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $1,289/yr in principal paydown, total projected return reaches $55,188.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.9% |
| Monthly Cash Flow | $29 | $500 |
City averages based on Stafford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $960 |
| Total Monthly Debt Service | $876 |
| DSCR Ratio | 1.10x |
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 1926
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67578, Stafford, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 727 (100%) |
| Owner Occupied HU | 429 (59.0%) |
| Renter Occupied HU | 126 (17.3%) |
| Vacant Housing Units | 172 (23.7%) |
| Median Home Value | $72,206 |
| Average Home Value | $142,599 |
Housing Distribution
Address Breakdown
Residential
596
Single Family
596
Multi-Family
0
Businesses
62
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 1926
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67578, Stafford, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 727 (100%) |
| Owner Occupied HU | 429 (59.0%) |
| Renter Occupied HU | 126 (17.3%) |
| Vacant Housing Units | 172 (23.7%) |
| Median Home Value | $72,206 |
| Average Home Value | $142,599 |
Housing Distribution
Address Breakdown
Residential
596
Single Family
596
Multi-Family
0
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices