612 Central St APT 301Kansas CityMO64105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 612 Central St APT 301, Kansas City, MO, 64105 in Kansas City is the 1.56 coverage ratio: rent of $1,666/mo versus a $1,070/mo debt payment on a $238,000 property. Rental yield 8.4%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $65,755 by year five, with $2,192/yr in equity from paydown. Total projected cumulative return: $102,141.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $(458) | $300 |
City averages based on Kansas City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,666 |
| Total Monthly Debt Service | $1,388 |
| DSCR Ratio | 1.20x |
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.
Condo
Built in 1889
884 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64105, Kansas City, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,927 (100%) |
| Owner Occupied HU | 474 ( 9.6%) |
| Renter Occupied HU | 3,922 (79.6%) |
| Vacant Housing Units | 531 (10.8%) |
| Median Home Value | $279,375 |
| Average Home Value | $315,677 |
Housing Distribution
Address Breakdown
Residential
5,754
Single Family
791
Multi-Family
4,963
Businesses
512
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
Condo
Built in 1889
884 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 64105, Kansas City, MO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,927 (100%) |
| Owner Occupied HU | 474 ( 9.6%) |
| Renter Occupied HU | 3,922 (79.6%) |
| Vacant Housing Units | 531 (10.8%) |
| Median Home Value | $279,375 |
| Average Home Value | $315,677 |
Housing Distribution
Address Breakdown
Residential
5,754
Single Family
791
Multi-Family
4,963
Businesses
512
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anne Marie Restrepo • Chartwell Realty LLC
Mls Name: Heartland MLS as distributed by MLS GRID
Mls ID: #2596453