6 N Ridge Way Rd · Rose Hill, KS
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 7/10 · Major
- Est. fire insurance / yr
- $1,154 – $2,142
Heat risk 5/10 · Moderate
- Hot days now (above 106°F)
- 7 days/yr
- Hot days in 30 yrs
- 18 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 1.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +12.8/30.0
- ARV discount +7.5/15.0
- Appreciation +5.0/10.0
- DSCR +3.8/10.0
- Livability +3.8/5.0
- 1% rule +3.7/10.0
- Schools +2.8/10.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
$219,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Key facts
- Bright living area
- Finished basement
- Cozy family room
Tags
Property features AI
Exterior
- Parking: 2-car garage
- Utilities: Public sewer available; Natural gas available; Public utilities
- Home design: Bi-level home; Single-family onsite-built property
- Construction: Composition roof; Full foundation
- Exterior features: Deck; Wood fencing; View from foundation
Interior
- Kitchen: Dishwasher; Disposal; Refrigerator; Range
- Flooring: Hardwood floors
- Bathrooms: 2 full bathrooms; 1 half bathroom
- Heating & cooling: Forced air heating (natural gas); Central air conditioning (electric)
- Interior features: Finished basement; Fireplace in family room with glass doors
- Laundry & utility: Laundry in basement in a separate room; 220V outlet in laundry/utility area
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/2.0-bath single-family listed at $219k.
Deal economics
- At list price, monthly cash flow is $-20 ($-235/yr) — negative.
- To cash-flow at today's rent, offer at most $216k (1.6% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $190k (13.2% below list).
- Recommended offer: $190k (13.2% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads 76/100 on livability (#48 in KS, #3,368 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F.
- Rose Hill Public Schools (rural): math 26% / reading 33% proficiency, ranked #84 of 169 in KS (top 50%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
- Zoned schools: Rose Hill Primary (457 students, 36% FRL); Rose Hill Middle (math 19% / reading 29%, grade F, #121 of 219 statewide, top 56%, 378 students, 38% FRL); Rose Hill High (math 8% / reading 17%, grade F, #278 of 327 statewide, top 86%, 567 students, 27% FRL).
- Market conditions: 1 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 235 units permitted in Butler County in 2024 (0 in 5+ unit buildings).
Forward outlook
- In year one you build about $8k of equity ($2k loan paydown + $7k appreciation (3.0% local appreciation)).
- At projected returns (3.0% appreciation + 3.0% rent growth), your $61k cash investment doubles in ~7 years — after that, you're playing with house money.
- By year 5, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 32 days — a 3% lower offer ($212k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts since 7y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
Risks & watch-outs
- Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 32 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
- Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 0.87% ✗
- Cap rate
- 6.19%
- Cash-on-cash
- -0.38%
- DSCR
- 0.98
- GRM
- 9.6
CMA / ARV
- ARV (median comp)
- $491,268
- List price
- $219,000
- Delta
- -55.42%
- Verdict
- UNDERPRICED
- Comps
- 2 within 2.0 mi
Projected returns pro-forma
3.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 7.2%
- Equity multiple
- 1.41×
- Total profit
- $25,169
- Equity at exit
- $98,472
- IRR
- 9.9%
- Equity multiple
- 2.49×
- Total profit
- $91,425
- Equity at exit
- $151,757
Cash invested: $61,320 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 83 Strongly Landlord-Friendly
- State Kansas
- 83 Strongly Landlord-Friendly · R+10
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 67133-9431
- Active inventory
- 1
- Price-to-rent
- 9.6×
Monthly cashflow live
- Estimated rent
- $1,900 medium interval (Pro) →
- Mortgage (P&I)
- −$1,148
- Tax from tax record
- −$281 /mo · $3,370/yr
- Insurance
- −$91
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$399
- Net cashflow
- $-20
Break-even live
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $54,750
- Closing costs
- $6,570
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 1 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1110 N Morris St Rose Hill, KS | 5.0 | 2.0 | 2335 | $1,900 | $0.81 | 23d | 1 | 0.65mi |
Listing history 11 events
-
2026-06-07statusdays on market $219,000 Pending 32 DOM
-
2026-06-03days on market $219,000 Active 30 DOM
-
2026-06-02days on market $219,000 Active 29 DOM
-
2026-06-01days on market $219,000 Active 28 DOM
-
2026-05-31days on market $219,000 Active 27 DOM
-
2026-05-30days on market $219,000 Active 26 DOM
-
2026-05-04$226,000 Active 1045-char remark
-
2019-11-22soldstatus
-
2019-09-23$140,000
-
2017-11-21soldstatus
-
2003-11-12soldstatus
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast KS · Resets to sale price
- Current annual tax
- $3,370 · $281/mo
- Projected year-2 tax
- $3,370 · $281/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 7/10 Severe
- Heat 5/10 Major 7 d/yr ≥106°F today · 18 d/yr by 30 yrs out
- Wind 2/10 Low 100% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $22,800
- − Mortgage interest
- −$12,267
- − Property taxes
- −$3,370
- − Insurance
- −$1,095
- − Repairs & maintenance
- −$1,824
- − Management
- −$1,824
- − Depreciation
- −$6,371
- Taxable loss
- −$3,952
- Est. tax savings @ 24.0%
- +$948
- After-tax cash flow
- $714/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- Rose Hill Public Schools
- NCES district ID
- 2011250
- Math proficiency
- 26% ▼ -7.00%
- Reading proficiency
- 33% ▼ -2.00%
- Median HH income
- $72,177
- Composite
- 27.88/100
- National rank
- #6872
- State rank
- #84 of 169 in KS
Livability — Rose Hill
- Score
- 76/100
- State rank
- #48
- US rank
- #3368
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Rose Hill, KS
Population outlook (Butler County) Hauer SSP2
- Today (2025)
- 69,002 people
- By 2030
- 69,822 · +1.2%
- By 2040
- 70,461 · +2.1%
- By 2050
- 69,940 · +1.4%
- By 2075
- 68,666 · -0.5%
- By 2100
- 63,071 · -8.6%
Not yet ingested
- Political lean
- —
- Race & ethnicity
- —
- Common origin
- —
- Civics
- —
Market trends
- HPI YoY
- —
- Current HPI
- —
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- —
- F500 in state
- 0
Price history
+56.4% since first listed7 events — show timeline
- 2026-06-05 Pending — SCKMLS as Distributed by MLS Grid
- 2026-05-27 Price Changed $219,000 SCKMLS as Distributed by MLS Grid
- 2026-05-04 Listed $226,000 SCKMLS as Distributed by MLS Grid
- 2019-11-22 Sold (Public Records) — Public Records
- 2019-09-23 Listed $140,000 SCKMLS as Distributed by MLS Grid
- 2017-11-21 Sold (Public Records) — Public Records
- 2003-11-12 Sold (Public Records) — Public Records
Property tax history
+2.9%/yrLatest (2025): $3,370 · +3.2% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…