558 Oak StRichfieldKS67953
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 558 Oak St, Richfield, KS, 67953 in Richfield. At $178,000 it earns $1,477/mo in rent and distributes $293/mo to the owner after the $800/mo payment, a consistent 9.96% yield. DSCR 1.85 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $49,178 in value; $1,639/yr in principal paydown compounds ownership stake. Total projected return: $86,783.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 8.5% |
| Monthly Cash Flow | $293 | $350 |
City averages based on Richfield 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 | $1,477 |
| Total Monthly Debt Service | $1,113 |
| DSCR Ratio | 1.33x |
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
7.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67953, Richfield, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 86 (100%) |
| Owner Occupied HU | 48 (55.8%) |
| Renter Occupied HU | 18 (20.9%) |
| Vacant Housing Units | 20 (23.3%) |
| Median Home Value | $70,000 |
| Average Home Value | $74,479 |
Housing Distribution
Address Breakdown
Residential
35
Single Family
35
Multi-Family
0
Businesses
1
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
7.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 67953, Richfield, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 86 (100%) |
| Owner Occupied HU | 48 (55.8%) |
| Renter Occupied HU | 18 (20.9%) |
| Vacant Housing Units | 20 (23.3%) |
| Median Home Value | $70,000 |
| Average Home Value | $74,479 |
Housing Distribution
Address Breakdown
Residential
35
Single Family
35
Multi-Family
0
Businesses
1
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices