0 Downing RdKirkseyKY42054
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 0 Downing Rd, Kirksey, KY, 42054 in Kirksey delivers $1,434/mo in gross rent and $461/mo in net monthly income at a $159,900 entry. The 10.76% yield and 1.99 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $44,177 over five years and $1,473/yr in equity from loan paydown, total projected return is $90,247.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $461 | $350 |
City averages based on Kirksey market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,434 |
| Total Monthly Debt Service | $910 |
| DSCR Ratio | 1.58x |
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 N/A
37.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42054, Kirksey, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 412 (75.7%) |
| Renter Occupied HU | 66 (12.1%) |
| Vacant Housing Units | 66 (12.1%) |
| Median Home Value | $173,750 |
| Average Home Value | $227,063 |
Housing Distribution
Address Breakdown
Residential
421
Single Family
421
Multi-Family
0
Businesses
11
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 N/A
37.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42054, Kirksey, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 412 (75.7%) |
| Renter Occupied HU | 66 (12.1%) |
| Vacant Housing Units | 66 (12.1%) |
| Median Home Value | $173,750 |
| Average Home Value | $227,063 |
Housing Distribution
Address Breakdown
Residential
421
Single Family
421
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices