100 Whitaker LnEast BernstadtKY40729
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 100 Whitaker Ln, East Bernstadt, KY, 40729 in East Bernstadt. Priced at $189,000, it generates $1,744/mo in gross rent and $593/mo in net monthly cash flow, a 11.07% yield that comfortably supports the 2.05 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,120. Five-year appreciation: $52,217. Equity from principal paydown: $1,741/yr. Total projected cumulative return: $109,787.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 7.0% |
| Monthly Cash Flow | $593 | $200 |
City averages based on East Bernstadt market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,744 |
| Total Monthly Debt Service | $1,075 |
| DSCR Ratio | 1.62x |
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.
Manufactured
Built in 2013
0.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40729, East Bernstadt, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,494 (100%) |
| Owner Occupied HU | 1,838 (73.7%) |
| Renter Occupied HU | 423 (17.0%) |
| Vacant Housing Units | 233 ( 9.3%) |
| Median Home Value | $157,031 |
| Average Home Value | $170,039 |
Housing Distribution
Address Breakdown
Residential
2,315
Single Family
2,314
Multi-Family
1
Businesses
74
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
Manufactured
Built in 2013
0.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40729, East Bernstadt, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,494 (100%) |
| Owner Occupied HU | 1,838 (73.7%) |
| Renter Occupied HU | 423 (17.0%) |
| Vacant Housing Units | 233 ( 9.3%) |
| Median Home Value | $157,031 |
| Average Home Value | $170,039 |
Housing Distribution
Address Breakdown
Residential
2,315
Single Family
2,314
Multi-Family
1
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debbie Hoskins • Re/Max Laketime Realty London
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25006206
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.