435 E 130th St SSouth HavenKS67140
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 435 E 130th St S, South Haven, KS, 67140 in South Haven the bet is firmly on appreciation. Rental yield 2.7%. The 2.7% gross yield on a $675,000 price is below income-first thresholds, but 5%/yr value growth projects $186,490 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.50) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $66,072.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 6.5% |
| Monthly Cash Flow | $(2,973) | $450 |
City averages based on South Haven 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 | $1,518 |
| Total Monthly Debt Service | $4,222 |
| DSCR Ratio | 0.36x |
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 2007
47.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67140, South Haven, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 311 (100%) |
| Owner Occupied HU | 209 (67.2%) |
| Renter Occupied HU | 44 (14.1%) |
| Vacant Housing Units | 58 (18.6%) |
| Median Home Value | $123,558 |
| Average Home Value | $190,813 |
Housing Distribution
Address Breakdown
Residential
212
Single Family
212
Multi-Family
0
Businesses
23
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 2007
47.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67140, South Haven, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 311 (100%) |
| Owner Occupied HU | 209 (67.2%) |
| Renter Occupied HU | 44 (14.1%) |
| Vacant Housing Units | 58 (18.6%) |
| Median Home Value | $123,558 |
| Average Home Value | $190,813 |
Housing Distribution
Address Breakdown
Residential
212
Single Family
212
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SCKMLS as distributed by MLS GRID
Mls ID: #676399