0 State Highway 504Olive HillKY41164
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 0 State Highway 504, Olive Hill, KY, 41164 in Olive Hill fits: $374,900, 3.52% gross yield, and a projected 5% annual appreciation rate adding $103,578 in value within five years. Rental yield 3.52%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.65) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,453/yr in principal paydown and $103,578 in appreciation project a total return of $65,891.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 9.0% |
| Monthly Cash Flow | $(1,183) | $250 |
City averages based on Olive Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,099 |
| Total Monthly Debt Service | $2,133 |
| DSCR Ratio | 0.52x |
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
120 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41164, Olive Hill, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,913 (100%) |
| Owner Occupied HU | 4,152 (70.2%) |
| Renter Occupied HU | 954 (16.1%) |
| Vacant Housing Units | 807 (13.6%) |
| Median Home Value | $119,137 |
| Average Home Value | $171,858 |
Housing Distribution
Address Breakdown
Residential
4,890
Single Family
4,890
Multi-Family
0
Businesses
144
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
120 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41164, Olive Hill, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,913 (100%) |
| Owner Occupied HU | 4,152 (70.2%) |
| Renter Occupied HU | 954 (16.1%) |
| Vacant Housing Units | 807 (13.6%) |
| Median Home Value | $119,137 |
| Average Home Value | $171,858 |
Housing Distribution
Address Breakdown
Residential
4,890
Single Family
4,890
Multi-Family
0
Businesses
144
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Deborah Manning • Manning Realty
Mls Name: My State MLS
Mls ID: #11097330