1145 Ramsey Point RdMonticelloKY42633
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1145 Ramsey Point Rd, Monticello, KY, 42633 in Monticello is priced for appreciation, not yield. Rental yield 4.45%. At $250,000 with a 4.45% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $69,070 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.83) 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: $56,545.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 8.0% |
| Monthly Cash Flow | $(594) | $150 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $928 |
| Total Monthly Debt Service | $1,422 |
| DSCR Ratio | 0.65x |
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.
Manufactured
Built in 2004
0.30 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
Manufactured
Built in 2004
0.30 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Trudy Brooks • Re/Max Elite Lexington
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25006311
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