107 Wisteria LnMonticelloKY42633
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing107 Wisteria Ln, Monticello, KY, 42633 in Monticello is a stable, well-positioned rental at $199,000. Rental yield 6.06%. DSCR 1.12 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $54,980 in value and $1,833/yr in principal paydown builds equity, a total projected return of $62,154.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 8.0% |
| Monthly Cash Flow | $(206) | $150 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,006 |
| Total Monthly Debt Service | $1,132 |
| DSCR Ratio | 0.89x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2017
1 Acres lot
$N/A/sqft
No HOA
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 2017
1 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathy Dick • Premier Properties Of Lake Cumberland, Inc.
Mls Name: Imagine MLS
Mls ID: #25014189