104 Holiday HlsClay CityKY40312
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow104 Holiday Hls, Clay City, KY, 40312 in Clay City is a solid income-producing rental, 10.26% gross yield, $1,368/mo rent, $394/mo net cash flow on a $160,000 buy. DSCR 1.90 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $44,205 and $1,474/yr in principal reduction project a total cumulative return of $86,032.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 7.5% |
| Monthly Cash Flow | $394 | $800 |
City averages based on Clay City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,368 |
| Total Monthly Debt Service | $910 |
| DSCR Ratio | 1.50x |
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 1976
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40312, Clay City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,577 (100%) |
| Owner Occupied HU | 1,670 (64.8%) |
| Renter Occupied HU | 644 (25.0%) |
| Vacant Housing Units | 263 (10.2%) |
| Median Home Value | $178,030 |
| Average Home Value | $208,909 |
Housing Distribution
Address Breakdown
Residential
2,313
Single Family
2,313
Multi-Family
0
Businesses
109
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 1976
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40312, Clay City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,577 (100%) |
| Owner Occupied HU | 1,670 (64.8%) |
| Renter Occupied HU | 644 (25.0%) |
| Vacant Housing Units | 263 (10.2%) |
| Median Home Value | $178,030 |
| Average Home Value | $208,909 |
Housing Distribution
Address Breakdown
Residential
2,313
Single Family
2,313
Multi-Family
0
Businesses
109
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices