1278 E Main StInezKY41224
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1278 E Main St, Inez, KY, 41224 in Inez. At $149,999 it earns $1,185/mo in rent and distributes $272/mo to the owner after the $674/mo payment, a consistent 9.48% yield. DSCR 1.76 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $41,442 in value; $1,382/yr in principal paydown compounds ownership stake. Total projected return: $74,384.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 8.8% |
| Monthly Cash Flow | $272 | $350 |
City averages based on Inez market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,185 |
| Total Monthly Debt Service | $853 |
| DSCR Ratio | 1.39x |
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 1960
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41224, Inez, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,030 (100%) |
| Owner Occupied HU | 1,364 (67.2%) |
| Renter Occupied HU | 350 (17.2%) |
| Vacant Housing Units | 316 (15.6%) |
| Median Home Value | $107,367 |
| Average Home Value | $117,386 |
Housing Distribution
Address Breakdown
Residential
1,177
Single Family
1,152
Multi-Family
25
Businesses
139
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 1960
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41224, Inez, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,030 (100%) |
| Owner Occupied HU | 1,364 (67.2%) |
| Renter Occupied HU | 350 (17.2%) |
| Vacant Housing Units | 316 (15.6%) |
| Median Home Value | $107,367 |
| Average Home Value | $117,386 |
Housing Distribution
Address Breakdown
Residential
1,177
Single Family
1,152
Multi-Family
25
Businesses
139
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices