15 Perciful StMount VernonKY40456
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Mount Vernon rental at 15 Perciful St, Mount Vernon, KY, 40456 sits in the solid-income band: 9.48% gross yield, $1,968/mo rent, $453/mo net after the $1,120/mo debt service, DSCR 1.76. Entry price of $249,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $68,794 and $2,293/yr in principal reduction bring total cumulative return to $123,441.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.8% |
| Monthly Cash Flow | $453 | $850 |
City averages based on Mount Vernon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,968 |
| Total Monthly Debt Service | $1,416 |
| DSCR Ratio | 1.39x |
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 2025
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40456, Mount Vernon, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,237 (100%) |
| Owner Occupied HU | 2,859 (67.5%) |
| Renter Occupied HU | 939 (22.2%) |
| Vacant Housing Units | 439 (10.4%) |
| Median Home Value | $140,961 |
| Average Home Value | $190,641 |
Housing Distribution
Address Breakdown
Residential
3,656
Single Family
3,656
Multi-Family
0
Businesses
274
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 2025
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40456, Mount Vernon, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,237 (100%) |
| Owner Occupied HU | 2,859 (67.5%) |
| Renter Occupied HU | 939 (22.2%) |
| Vacant Housing Units | 439 (10.4%) |
| Median Home Value | $140,961 |
| Average Home Value | $190,641 |
Housing Distribution
Address Breakdown
Residential
3,656
Single Family
3,656
Multi-Family
0
Businesses
274
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A