130 Branch RdMonticelloKY42633
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 130 Branch Rd, Monticello, KY, 42633 in Monticello deserves attention. This $150,000 property earns $1,432/mo in rent, a 11.45% gross yield, and nets $519/mo after the $674/mo payment. DSCR 2.12 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $41,442 compounds alongside $1,382/yr in yearly equity build, for a total cumulative return of $90,284.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 8.0% |
| Monthly Cash Flow | $519 | $150 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,432 |
| Total Monthly Debt Service | $853 |
| DSCR Ratio | 1.68x |
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 1930
0.40 Acres lot
$N/A/sqft
No HOA
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 1930
0.40 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Morgan Harris • Lake Cumberland Real Estate Professionals
Mls Name: Imagine MLS
Mls ID: #25009153