920 E 19th StGalenaKS66739
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 920 E 19th St, Galena, KS, 66739 in Galena at $240,000 earns $1,649/mo in rent and nets $52/mo after the $1,079/mo payment, a 8.24% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $66,308 over five years. Ziffy Mortgage underwrites this on a 1.53 DSCR without U.S. credit history. With $2,210/yr in principal paydown, total projected return reaches $94,854.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 8.0% |
| Monthly Cash Flow | $52 | $400 |
City averages based on Galena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,649 |
| Total Monthly Debt Service | $1,501 |
| DSCR Ratio | 1.10x |
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 2003
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66739, Galena, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,339 (100%) |
| Owner Occupied HU | 1,438 (61.5%) |
| Renter Occupied HU | 564 (24.1%) |
| Vacant Housing Units | 337 (14.4%) |
| Median Home Value | $91,800 |
| Average Home Value | $126,968 |
Housing Distribution
Address Breakdown
Residential
2,160
Single Family
2,159
Multi-Family
1
Businesses
143
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 2003
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 66739, Galena, KS area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,339 (100%) |
| Owner Occupied HU | 1,438 (61.5%) |
| Renter Occupied HU | 564 (24.1%) |
| Vacant Housing Units | 337 (14.4%) |
| Median Home Value | $91,800 |
| Average Home Value | $126,968 |
Housing Distribution
Address Breakdown
Residential
2,160
Single Family
2,159
Multi-Family
1
Businesses
143
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices