128 Roark RdRussell SpringsKY42642
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 128 Roark Rd, Russell Springs, KY, 42642 in Russell Springs at $215,000 earns $1,492/mo in rent and nets $183/mo after the $967/mo payment, a 8.33% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $59,401 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $1,980/yr in principal paydown, total projected return reaches $93,220.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.5% |
| Monthly Cash Flow | $183 | $250 |
City averages based on Russell Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,492 |
| Total Monthly Debt Service | $1,223 |
| DSCR Ratio | 1.22x |
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 2002
4.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42642, Russell Springs, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,935 (100%) |
| Owner Occupied HU | 4,045 (58.3%) |
| Renter Occupied HU | 1,547 (22.3%) |
| Vacant Housing Units | 1,343 (19.4%) |
| Median Home Value | $174,781 |
| Average Home Value | $203,668 |
Housing Distribution
Address Breakdown
Residential
5,488
Single Family
5,488
Multi-Family
0
Businesses
404
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 2002
4.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42642, Russell Springs, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,935 (100%) |
| Owner Occupied HU | 4,045 (58.3%) |
| Renter Occupied HU | 1,547 (22.3%) |
| Vacant Housing Units | 1,343 (19.4%) |
| Median Home Value | $174,781 |
| Average Home Value | $203,668 |
Housing Distribution
Address Breakdown
Residential
5,488
Single Family
5,488
Multi-Family
0
Businesses
404
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HKMLS
Mls ID: #HK2600660