102 N Maple Creek Sub RdWilliamsburgKY40769
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 102 N Maple Creek Sub Rd, Williamsburg, KY, 40769 in Williamsburg the bet is firmly on appreciation. Rental yield 3.71%. The 3.71% gross yield on a $399,500 price is below income-first thresholds, but 5%/yr value growth projects $110,374 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.65) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $66,782.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 8.5% |
| Monthly Cash Flow | $(1,197) | $450 |
City averages based on Williamsburg 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 | $1,235 |
| Total Monthly Debt Service | $2,370 |
| 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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2000
7.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40769, Williamsburg, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,651 (100%) |
| Owner Occupied HU | 4,523 (59.1%) |
| Renter Occupied HU | 2,239 (29.3%) |
| Vacant Housing Units | 889 (11.6%) |
| Median Home Value | $112,314 |
| Average Home Value | $143,394 |
Housing Distribution
Address Breakdown
Residential
7,402
Single Family
7,370
Multi-Family
32
Businesses
496
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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
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Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #26026047
