151 Jamestown StRussell SpringsKY42642
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 151 Jamestown St, Russell Springs, KY, 42642 in Russell Springs earns a 11.68% gross yield at $124,500. Rent of $1,212/mo nets $454/mo after the $560/mo mortgage. The 2.16 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $34,397 and $1,147/yr in equity accumulation project a total cumulative return of $76,391.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 7.5% |
| Monthly Cash Flow | $454 | $250 |
City averages based on Russell Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,212 |
| Total Monthly Debt Service | $708 |
| DSCR Ratio | 1.71x |
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 1959
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42642, Russell Springs, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,935 (100%) |
| Owner Occupied HU | 4,045 (58.3%) |
| Renter Occupied HU | 1,547 (22.3%) |
| Vacant Housing Units | 1,343 (19.4%) |
| Median Home Value | $174,781 |
| Average Home Value | $203,668 |
Housing Distribution
Address Breakdown
Residential
5,488
Single Family
5,488
Multi-Family
0
Businesses
404
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 1959
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42642, Russell Springs, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,935 (100%) |
| Owner Occupied HU | 4,045 (58.3%) |
| Renter Occupied HU | 1,547 (22.3%) |
| Vacant Housing Units | 1,343 (19.4%) |
| Median Home Value | $174,781 |
| Average Home Value | $203,668 |
Housing Distribution
Address Breakdown
Residential
5,488
Single Family
5,488
Multi-Family
0
Businesses
404
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Benjamin R Karnes • Patriot Realty - Auction LLC
Mls Name: South Central Kentucky AOR
Mls Provider:
Mls ID: #SC46208