130 Shiner Church RdWilliamsburgKY40769
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play130 Shiner Church Rd, Williamsburg, KY, 40769 in Williamsburg is priced for appreciation, not yield. Rental yield 3.82%. At $635,500 with a 3.82% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $175,577 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.71) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $121,898.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 8.5% |
| Monthly Cash Flow | $(1,846) | $450 |
City averages based on Williamsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,022 |
| Total Monthly Debt Service | $3,615 |
| DSCR Ratio | 0.56x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
29.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40769, Williamsburg, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,651 (100%) |
| Owner Occupied HU | 4,523 (59.1%) |
| Renter Occupied HU | 2,239 (29.3%) |
| Vacant Housing Units | 889 (11.6%) |
| Median Home Value | $112,314 |
| Average Home Value | $143,394 |
Housing Distribution
Address Breakdown
Residential
7,402
Single Family
7,370
Multi-Family
32
Businesses
496
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
29.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40769, Williamsburg, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,651 (100%) |
| Owner Occupied HU | 4,523 (59.1%) |
| Renter Occupied HU | 2,239 (29.3%) |
| Vacant Housing Units | 889 (11.6%) |
| Median Home Value | $112,314 |
| Average Home Value | $143,394 |
Housing Distribution
Address Breakdown
Residential
7,402
Single Family
7,370
Multi-Family
32
Businesses
496
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tammy S Smith • Shawn Rogers Realty, Inc
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25011199
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.