10633 Elizabethtown RdBig CliftyKY42712
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 10633 Elizabethtown Rd, Big Clifty, KY, 42712 in Big Clifty. At $125,000 it earns $977/mo in rent and distributes $216/mo to the owner after the $593/mo payment, a consistent 9.38% yield. DSCR 1.65 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $34,535 in value; $1,048/yr in principal paydown compounds ownership stake. Total projected return: $58,933.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 9.0% |
| Monthly Cash Flow | $216 | $450 |
City averages based on Big Clifty 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 | $977 |
| Total Monthly Debt Service | $742 |
| DSCR Ratio | 1.32x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1990
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42712, Big Clifty, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 826 (100%) |
| Owner Occupied HU | 602 (72.9%) |
| Renter Occupied HU | 111 (13.4%) |
| Vacant Housing Units | 113 (13.7%) |
| Median Home Value | $172,180 |
| Average Home Value | $206,478 |
Housing Distribution
Address Breakdown
Residential
858
Single Family
858
Multi-Family
0
Businesses
27
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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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Listed by: N/A • N/A
Mls Name: South Central Kentucky AOR
Mls Provider:
Mls ID: #SC48600
