1431 Brush Creek RdClay CityKY40312
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1431 Brush Creek Rd, Clay City, KY, 40312 in Clay City at $197,500 earns $1,346/mo in rent and nets $144/mo after the $936/mo payment, a 8.18% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $54,566 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $1,656/yr in principal paydown, total projected return reaches $80,385.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.5% |
| Monthly Cash Flow | $144 | $800 |
City averages based on Clay City market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,346 |
| Total Monthly Debt Service | $1,172 |
| DSCR Ratio | 1.15x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1980
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40312, Clay City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,577 (100%) |
| Owner Occupied HU | 1,670 (64.8%) |
| Renter Occupied HU | 644 (25.0%) |
| Vacant Housing Units | 263 (10.2%) |
| Median Home Value | $178,030 |
| Average Home Value | $208,909 |
Housing Distribution
Address Breakdown
Residential
2,313
Single Family
2,313
Multi-Family
0
Businesses
109
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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
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