521 Huntress StClay CenterKS67432
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 521 Huntress St, Clay Center, KS, 67432 in Clay Center at $120,000 earns $915/mo in rent and nets $163/mo after the $540/mo payment, a 9.61% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $33,154 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $1,105/yr in principal paydown, total projected return reaches $53,217.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.0% |
| Monthly Cash Flow | $163 | $300 |
City averages based on Clay Center market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $915 |
| Total Monthly Debt Service | $751 |
| DSCR Ratio | 1.22x |
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 1915
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67432, Clay Center, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,836 (100%) |
| Owner Occupied HU | 1,775 (62.6%) |
| Renter Occupied HU | 627 (22.1%) |
| Vacant Housing Units | 434 (15.3%) |
| Median Home Value | $152,939 |
| Average Home Value | $172,686 |
Housing Distribution
Address Breakdown
Residential
2,595
Single Family
2,459
Multi-Family
136
Businesses
316
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 1915
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67432, Clay Center, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,836 (100%) |
| Owner Occupied HU | 1,775 (62.6%) |
| Renter Occupied HU | 627 (22.1%) |
| Vacant Housing Units | 434 (15.3%) |
| Median Home Value | $152,939 |
| Average Home Value | $172,686 |
Housing Distribution
Address Breakdown
Residential
2,595
Single Family
2,459
Multi-Family
136
Businesses
316
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Babette Crimmins • Homestead Real Estate
Mls Name: FHARMLS
Mls Provider:
Mls ID: #20251020
Disclaimer: IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing information is deemed reliable, but not guaranteed.