525 S Exchange StEmporiaKS66801
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 525 S Exchange St, Emporia, KS, 66801 in Emporia is narrow, $24/mo net on $1,178/mo rent after the $780/mo debt service, but the property operates at break-even-plus, not a loss. At $173,500 with a 8.15% yield, the long-run equity case via 5% appreciation ($47,935 over five years) and $1,598/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $67,677.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.2% |
| Monthly Cash Flow | $24 | $450 |
City averages based on Emporia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,178 |
| Total Monthly Debt Service | $1,085 |
| DSCR Ratio | 1.09x |
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 1930
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66801, Emporia, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,957 (100%) |
| Owner Occupied HU | 6,495 (50.1%) |
| Renter Occupied HU | 4,805 (37.1%) |
| Vacant Housing Units | 1,657 (12.8%) |
| Median Home Value | $165,599 |
| Average Home Value | $212,110 |
Housing Distribution
Address Breakdown
Residential
12,141
Single Family
11,190
Multi-Family
951
Businesses
1,079
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 1930
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66801, Emporia, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,957 (100%) |
| Owner Occupied HU | 6,495 (50.1%) |
| Renter Occupied HU | 4,805 (37.1%) |
| Vacant Housing Units | 1,657 (12.8%) |
| Median Home Value | $165,599 |
| Average Home Value | $212,110 |
Housing Distribution
Address Breakdown
Residential
12,141
Single Family
11,190
Multi-Family
951
Businesses
1,079
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices