122 4th StBerryKY41003
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 122 4th St, Berry, KY, 41003 in Berry is narrow, $184/mo net on $1,583/mo rent after the $1,034/mo debt service, but the property operates at break-even-plus, not a loss. At $229,900 with a 8.26% yield, the long-run equity case via 5% appreciation ($63,517 over five years) and $2,117/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.53 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $98,941.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.0% |
| Monthly Cash Flow | $184 | $300 |
City averages based on Berry market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,583 |
| Total Monthly Debt Service | $1,308 |
| DSCR Ratio | 1.21x |
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 2025
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41003, Berry, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,125 (100%) |
| Owner Occupied HU | 775 (68.9%) |
| Renter Occupied HU | 201 (17.9%) |
| Vacant Housing Units | 149 (13.2%) |
| Median Home Value | $201,667 |
| Average Home Value | $257,335 |
Housing Distribution
Address Breakdown
Residential
1,058
Single Family
1,057
Multi-Family
1
Businesses
16
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 2025
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41003, Berry, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,125 (100%) |
| Owner Occupied HU | 775 (68.9%) |
| Renter Occupied HU | 201 (17.9%) |
| Vacant Housing Units | 149 (13.2%) |
| Median Home Value | $201,667 |
| Average Home Value | $257,335 |
Housing Distribution
Address Breakdown
Residential
1,058
Single Family
1,057
Multi-Family
1
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices