12230 State Route 94 EMurrayKY42071
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 12230 State Route 94 E, Murray, KY, 42071 in Murray. Priced at $154,900, it generates $1,522/mo in gross rent and $579/mo in net monthly cash flow, a 11.79% yield that comfortably supports the 2.18 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,946. Five-year appreciation: $42,796. Equity from principal paydown: $1,427/yr. Total projected cumulative return: $95,937.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 8.0% |
| Monthly Cash Flow | $579 | $400 |
City averages based on Murray market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,522 |
| Total Monthly Debt Service | $881 |
| DSCR Ratio | 1.73x |
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 N/A
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42071, Murray, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,483 (100%) |
| Owner Occupied HU | 7,472 (51.6%) |
| Renter Occupied HU | 4,770 (32.9%) |
| Vacant Housing Units | 2,241 (15.5%) |
| Median Home Value | $209,592 |
| Average Home Value | $236,806 |
Housing Distribution
Address Breakdown
Residential
13,516
Single Family
13,373
Multi-Family
143
Businesses
1,391
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 N/A
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42071, Murray, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,483 (100%) |
| Owner Occupied HU | 7,472 (51.6%) |
| Renter Occupied HU | 4,770 (32.9%) |
| Vacant Housing Units | 2,241 (15.5%) |
| Median Home Value | $209,592 |
| Average Home Value | $236,806 |
Housing Distribution
Address Breakdown
Residential
13,516
Single Family
13,373
Multi-Family
143
Businesses
1,391
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices