103 Peppermill LnGrayKY40734
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 103 Peppermill Ln, Gray, KY, 40734 in Gray hard to pass up. The 12.11% gross yield on a $155,000 purchase results in $1,564/mo in rent and $620/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.24). Annual cash flow of $7,443, five-year appreciation of $42,824, and $1,428/yr in equity build-up combine for a projected total cumulative return of $98,682.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.1% | 6.0% |
| Monthly Cash Flow | $620 | $850 |
City averages based on Gray market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,564 |
| Total Monthly Debt Service | $882 |
| DSCR Ratio | 1.77x |
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 1995
0.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40734, Gray, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,630 (100%) |
| Owner Occupied HU | 1,124 (69.0%) |
| Renter Occupied HU | 315 (19.3%) |
| Vacant Housing Units | 191 (11.7%) |
| Median Home Value | $144,481 |
| Average Home Value | $183,972 |
Housing Distribution
Address Breakdown
Residential
1,474
Single Family
1,474
Multi-Family
0
Businesses
64
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 1995
0.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40734, Gray, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,630 (100%) |
| Owner Occupied HU | 1,124 (69.0%) |
| Renter Occupied HU | 315 (19.3%) |
| Vacant Housing Units | 191 (11.7%) |
| Median Home Value | $144,481 |
| Average Home Value | $183,972 |
Housing Distribution
Address Breakdown
Residential
1,474
Single Family
1,474
Multi-Family
0
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices