11235 Highway 764WhitesvilleKY42378
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.37% yield at 11235 Highway 764, Whitesville, KY, 42378 in Whitesville is solid, but the $1,686/mo payment compresses net cash flow to $20/mo at $375,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $103,606 by year five, and $3,454/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.37) without U.S. income documentation. Total projected return: $143,420.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.5% |
| Monthly Cash Flow | $20 | $350 |
City averages based on Whitesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,303 |
| Total Monthly Debt Service | $2,133 |
| DSCR Ratio | 1.08x |
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 1957
3.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42378, Whitesville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,227 (100%) |
| Owner Occupied HU | 989 (80.6%) |
| Renter Occupied HU | 170 (13.9%) |
| Vacant Housing Units | 68 ( 5.5%) |
| Median Home Value | $204,252 |
| Average Home Value | $238,734 |
Housing Distribution
Address Breakdown
Residential
1,322
Single Family
1,322
Multi-Family
0
Businesses
49
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 1957
3.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42378, Whitesville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,227 (100%) |
| Owner Occupied HU | 989 (80.6%) |
| Renter Occupied HU | 170 (13.9%) |
| Vacant Housing Units | 68 ( 5.5%) |
| Median Home Value | $204,252 |
| Average Home Value | $238,734 |
Housing Distribution
Address Breakdown
Residential
1,322
Single Family
1,322
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Greater Owensboro Realtor Association
Mls ID: #94438