1163 Oak Hill RdSonoraKY42776
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 1163 Oak Hill Rd, Sonora, KY, 42776 in Sonora. Rental yield 5.94%. At $699,000 with 5.94% gross yield, current distributions are modest, but the 5% appreciation rate projects $193,121 in new equity by year five, complemented by $6,438/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.10) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $213,813.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 8.9% |
| Monthly Cash Flow | $(792) | $530 |
City averages based on Sonora market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,462 |
| Total Monthly Debt Service | $3,976 |
| DSCR Ratio | 0.87x |
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 2016
7.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42776, Sonora, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,138 (100%) |
| Owner Occupied HU | 864 (75.9%) |
| Renter Occupied HU | 171 (15.0%) |
| Vacant Housing Units | 103 ( 9.1%) |
| Median Home Value | $209,701 |
| Average Home Value | $329,991 |
Housing Distribution
Address Breakdown
Residential
1,082
Single Family
1,082
Multi-Family
0
Businesses
41
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 2016
7.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42776, Sonora, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,138 (100%) |
| Owner Occupied HU | 864 (75.9%) |
| Renter Occupied HU | 171 (15.0%) |
| Vacant Housing Units | 103 ( 9.1%) |
| Median Home Value | $209,701 |
| Average Home Value | $329,991 |
Housing Distribution
Address Breakdown
Residential
1,082
Single Family
1,082
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices