11384 Julien RdGraceyKY42232
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.65% yield at 11384 Julien Rd, Gracey, KY, 42232 in Gracey is solid, but the $1,245/mo payment compresses net cash flow to $80/mo at $276,900. 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 $76,502 by year five, and $2,550/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.42) without U.S. income documentation. Total projected return: $110,067.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 8.5% |
| Monthly Cash Flow | $80 | $250 |
City averages based on Gracey market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,765 |
| Total Monthly Debt Service | $1,575 |
| DSCR Ratio | 1.12x |
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 2018
4.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42232, Gracey, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 346 (100%) |
| Owner Occupied HU | 251 (72.5%) |
| Renter Occupied HU | 46 (13.3%) |
| Vacant Housing Units | 49 (14.2%) |
| Median Home Value | $309,896 |
| Average Home Value | $331,046 |
Housing Distribution
Address Breakdown
Residential
327
Single Family
327
Multi-Family
0
Businesses
13
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 2018
4.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42232, Gracey, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 346 (100%) |
| Owner Occupied HU | 251 (72.5%) |
| Renter Occupied HU | 46 (13.3%) |
| Vacant Housing Units | 49 (14.2%) |
| Median Home Value | $309,896 |
| Average Home Value | $331,046 |
Housing Distribution
Address Breakdown
Residential
327
Single Family
327
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices