0 Hall Branch RdTopmostKY41862
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 0 Hall Branch Rd, Topmost, KY, 41862 in Topmost at $449,900, 2.33% gross yield, is a market-growth asset. Rental yield 2.33%. The $872/mo rent partially funds the $2,023/mo debt service; the core return is the 5%/yr price growth projected to add $124,299 over five years. Ziffy Mortgage's DSCR mortgage (0.43) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $50,319.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 6.2% |
| Monthly Cash Flow | $(1,866) | $250 |
City averages based on Topmost market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $872 |
| Total Monthly Debt Service | $2,559 |
| DSCR Ratio | 0.34x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
325.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41862, Topmost, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 364 (100%) |
| Owner Occupied HU | 282 (77.5%) |
| Renter Occupied HU | 50 (13.7%) |
| Vacant Housing Units | 32 ( 8.8%) |
| Median Home Value | $94,444 |
| Average Home Value | $123,963 |
Housing Distribution
Address Breakdown
Residential
298
Single Family
298
Multi-Family
0
Businesses
3
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
325.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41862, Topmost, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 364 (100%) |
| Owner Occupied HU | 282 (77.5%) |
| Renter Occupied HU | 50 (13.7%) |
| Vacant Housing Units | 32 ( 8.8%) |
| Median Home Value | $94,444 |
| Average Home Value | $123,963 |
Housing Distribution
Address Breakdown
Residential
298
Single Family
298
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices