10147 Madison StCaliforniaKY41007
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 10147 Madison St, California, KY, 41007 in California worth modelling. At $235,000 with a 8.19% gross yield, the $1,604/mo rent leaves $174/mo after the $1,057/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.52 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $64,926 by year five; $2,164/yr in principal reduction adds further equity. Total projected return: $100,160.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 8.0% |
| Monthly Cash Flow | $174 | $250 |
City averages based on California market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,604 |
| Total Monthly Debt Service | $1,337 |
| DSCR Ratio | 1.20x |
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
4.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41007, California, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,454 (100%) |
| Owner Occupied HU | 1,187 (81.6%) |
| Renter Occupied HU | 149 (10.2%) |
| Vacant Housing Units | 118 ( 8.1%) |
| Median Home Value | $327,060 |
| Average Home Value | $400,244 |
Housing Distribution
Address Breakdown
Residential
1,552
Single Family
1,552
Multi-Family
0
Businesses
25
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
4.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41007, California, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,454 (100%) |
| Owner Occupied HU | 1,187 (81.6%) |
| Renter Occupied HU | 149 (10.2%) |
| Vacant Housing Units | 118 ( 8.1%) |
| Median Home Value | $327,060 |
| Average Home Value | $400,244 |
Housing Distribution
Address Breakdown
Residential
1,552
Single Family
1,552
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NKMLS
Mls ID: #641813