137 E Main StLynchKY40855
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 137 E Main St, Lynch, KY, 40855 in Lynch: $1,051/mo in rent, $229/mo in net income, 9.34% gross yield, 1.73 DSCR, all at $135,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $37,298 in appreciation and $1,243/yr in principal paydown projects total cumulative return of $65,942.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $229 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,051 |
| Total Monthly Debt Service | $768 |
| DSCR Ratio | 1.37x |
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
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40855, Lynch, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 336 (100%) |
| Owner Occupied HU | 161 (47.9%) |
| Renter Occupied HU | 84 (25.0%) |
| Vacant Housing Units | 91 (27.1%) |
| Median Home Value | $65,000 |
| Average Home Value | $99,022 |
Housing Distribution
Address Breakdown
Residential
10
Single Family
10
Multi-Family
0
Businesses
20
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
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40855, Lynch, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 336 (100%) |
| Owner Occupied HU | 161 (47.9%) |
| Renter Occupied HU | 84 (25.0%) |
| Vacant Housing Units | 91 (27.1%) |
| Median Home Value | $65,000 |
| Average Home Value | $99,022 |
Housing Distribution
Address Breakdown
Residential
10
Single Family
10
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices