148 Charley Miller RdAlmoKY42020
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 148 Charley Miller Rd, Almo, KY, 42020 in Almo delivers $1,034/mo in gross rent and $205/mo in net monthly income at a $133,000 entry. The 9.15% yield and 1.73 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 $36,745 over five years and $1,225/yr in equity from loan paydown, total projected return is $64,854.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 8.0% |
| Monthly Cash Flow | $205 | $150 |
City averages based on Almo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,034 |
| Total Monthly Debt Service | $757 |
| 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
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42020, Almo, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,046 (100%) |
| Owner Occupied HU | 741 (70.8%) |
| Renter Occupied HU | 208 (19.9%) |
| Vacant Housing Units | 97 ( 9.3%) |
| Median Home Value | $181,568 |
| Average Home Value | $196,407 |
Housing Distribution
Address Breakdown
Residential
1,014
Single Family
1,014
Multi-Family
0
Businesses
31
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
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42020, Almo, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,046 (100%) |
| Owner Occupied HU | 741 (70.8%) |
| Renter Occupied HU | 208 (19.9%) |
| Vacant Housing Units | 97 ( 9.3%) |
| Median Home Value | $181,568 |
| Average Home Value | $196,407 |
Housing Distribution
Address Breakdown
Residential
1,014
Single Family
1,014
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tim Beck • Property Investment Solutions
Mls Name: WKRMLS
Mls ID: #131393
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.