142 Rochester Lock LnBeaver DamKY42320
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 142 Rochester Lock Ln, Beaver Dam, KY, 42320 in Beaver Dam at $159,000. Rental yield 6.74%. The 6.74% yield and 1.25 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $43,929 by year five, and $1,464/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $55,439.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.2% |
| Monthly Cash Flow | $(75) | $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 | $893 |
| Total Monthly Debt Service | $904 |
| DSCR Ratio | 0.99x |
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 1985
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42320, Beaver Dam, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,352 (100%) |
| Owner Occupied HU | 2,152 (64.2%) |
| Renter Occupied HU | 915 (27.3%) |
| Vacant Housing Units | 285 ( 8.5%) |
| Median Home Value | $151,118 |
| Average Home Value | $181,388 |
Housing Distribution
Address Breakdown
Residential
3,380
Single Family
3,377
Multi-Family
3
Businesses
244
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 1985
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42320, Beaver Dam, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,352 (100%) |
| Owner Occupied HU | 2,152 (64.2%) |
| Renter Occupied HU | 915 (27.3%) |
| Vacant Housing Units | 285 ( 8.5%) |
| Median Home Value | $151,118 |
| Average Home Value | $181,388 |
Housing Distribution
Address Breakdown
Residential
3,380
Single Family
3,377
Multi-Family
3
Businesses
244
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Donna Wilson • Donna Wilson Realty LLC
Mls Name: My State MLS
Mls ID: #11203907