130 State Route 1820CunninghamKY42035
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 130 State Route 1820, Cunningham, KY, 42035 in Cunningham delivers $944/mo in gross rent and $217/mo in net monthly income at a $119,500 entry. The 9.48% yield and 1.76 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $33,016 over five years and $1,101/yr in equity from loan paydown, total projected return is $59,245.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 7.0% |
| Monthly Cash Flow | $217 | $850 |
City averages based on Cunningham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $944 |
| Total Monthly Debt Service | $680 |
| 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 N/A
1.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42035, Cunningham, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 284 (72.6%) |
| Renter Occupied HU | 59 (15.1%) |
| Vacant Housing Units | 48 (12.3%) |
| Median Home Value | $203,947 |
| Average Home Value | $327,958 |
Housing Distribution
Address Breakdown
Residential
348
Single Family
348
Multi-Family
0
Businesses
49
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
1.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42035, Cunningham, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 391 (100%) |
| Owner Occupied HU | 284 (72.6%) |
| Renter Occupied HU | 59 (15.1%) |
| Vacant Housing Units | 48 (12.3%) |
| Median Home Value | $203,947 |
| Average Home Value | $327,958 |
Housing Distribution
Address Breakdown
Residential
348
Single Family
348
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: WKRMLS
Mls ID: #135147