106 E 4th AveCentral CityKY42330
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 106 E 4th Ave, Central City, KY, 42330 in Central City. Priced at $139,300, it generates $1,555/mo in gross rent and $707/mo in net monthly cash flow, a 13.4% yield that comfortably supports the 2.48 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,489. Five-year appreciation: $38,486. Equity from principal paydown: $1,283/yr. Total projected cumulative return: $98,278.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.4% | 7.0% |
| Monthly Cash Flow | $707 | $500 |
City averages based on Central City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,555 |
| Total Monthly Debt Service | $792 |
| DSCR Ratio | 1.96x |
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
10,802 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42330, Central City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,988 (100%) |
| Owner Occupied HU | 2,487 (62.4%) |
| Renter Occupied HU | 1,072 (26.9%) |
| Vacant Housing Units | 429 (10.8%) |
| Median Home Value | $141,516 |
| Average Home Value | $184,295 |
Housing Distribution
Address Breakdown
Residential
3,680
Single Family
3,641
Multi-Family
39
Businesses
323
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
10,802 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42330, Central City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,988 (100%) |
| Owner Occupied HU | 2,487 (62.4%) |
| Renter Occupied HU | 1,072 (26.9%) |
| Vacant Housing Units | 429 (10.8%) |
| Median Home Value | $141,516 |
| Average Home Value | $184,295 |
Housing Distribution
Address Breakdown
Residential
3,680
Single Family
3,641
Multi-Family
39
Businesses
323
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A