107 Westside AveEarlingtonKY42410
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 107 Westside Ave, Earlington, KY, 42410 in Earlington. Priced at $119,900, it generates $1,508/mo in gross rent and $779/mo in net monthly cash flow, a 15.1% yield that comfortably supports the 2.80 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,344. Five-year appreciation: $33,126. Equity from principal paydown: $1,104/yr. Total projected cumulative return: $95,544.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.1% | 8.0% |
| Monthly Cash Flow | $779 | $250 |
City averages based on Earlington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,508 |
| Total Monthly Debt Service | $682 |
| DSCR Ratio | 2.21x |
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 1889
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42410, Earlington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 861 (100%) |
| Owner Occupied HU | 397 (46.1%) |
| Renter Occupied HU | 203 (23.6%) |
| Vacant Housing Units | 261 (30.3%) |
| Median Home Value | $76,813 |
| Average Home Value | $112,103 |
Housing Distribution
Address Breakdown
Residential
554
Single Family
554
Multi-Family
0
Businesses
41
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 1889
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42410, Earlington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 861 (100%) |
| Owner Occupied HU | 397 (46.1%) |
| Renter Occupied HU | 203 (23.6%) |
| Vacant Housing Units | 261 (30.3%) |
| Median Home Value | $76,813 |
| Average Home Value | $112,103 |
Housing Distribution
Address Breakdown
Residential
554
Single Family
554
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices