130 W Kentucky StClaytonIN46118
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow130 W Kentucky St, Clayton, IN, 46118 in Clayton earns its strong cash-flow label: 12.83% yield, $1,597/mo rent, $673/mo net income, DSCR 2.38. The $149,400 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $41,276 by year five. Combined with $1,376/yr in principal paydown, total projected return reaches $99,999.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.8% | 8.0% |
| Monthly Cash Flow | $673 | $300 |
City averages based on Clayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,597 |
| Total Monthly Debt Service | $864 |
| DSCR Ratio | 1.85x |
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 1900
4,721 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46118, Clayton, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,916 (100%) |
| Owner Occupied HU | 1,595 (83.2%) |
| Renter Occupied HU | 254 (13.3%) |
| Vacant Housing Units | 67 ( 3.5%) |
| Median Home Value | $311,247 |
| Average Home Value | $369,934 |
Housing Distribution
Address Breakdown
Residential
1,805
Single Family
1,805
Multi-Family
0
Businesses
126
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 1900
4,721 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46118, Clayton, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,916 (100%) |
| Owner Occupied HU | 1,595 (83.2%) |
| Renter Occupied HU | 254 (13.3%) |
| Vacant Housing Units | 67 ( 3.5%) |
| Median Home Value | $311,247 |
| Average Home Value | $369,934 |
Housing Distribution
Address Breakdown
Residential
1,805
Single Family
1,805
Multi-Family
0
Businesses
126
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices