1104 Rock Creek RdBig CliftyKY42712
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1104 Rock Creek Rd, Big Clifty, KY, 42712 in Big Clifty is priced for appreciation, not yield. Rental yield 3.16%. At $365,000 with a 3.16% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $100,843 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.59) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $57,132.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 9.0% |
| Monthly Cash Flow | $(1,261) | $450 |
City averages based on Big Clifty market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $960 |
| Total Monthly Debt Service | $2,076 |
| DSCR Ratio | 0.46x |
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 2006
12 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
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 2006
12 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dottie Watson • REAL DEAL REALTY LLC
Mls Name: HKMLS
Mls ID: #HK25002399