153 Otter Creek RdStrunkKY42649
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 153 Otter Creek Rd, Strunk, KY, 42649 in Strunk is capital appreciation. Rental yield 5.85%. The 5.85% gross yield at $529,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $146,402 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.08) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $159,437.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 8.0% |
| Monthly Cash Flow | $(641) | $1,200 |
City averages based on Strunk market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,584 |
| Total Monthly Debt Service | $3,014 |
| DSCR Ratio | 0.86x |
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 2007
10.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42649, Strunk, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 880 (100%) |
| Owner Occupied HU | 595 (67.6%) |
| Renter Occupied HU | 174 (19.8%) |
| Vacant Housing Units | 111 (12.6%) |
| Median Home Value | $113,797 |
| Average Home Value | $129,819 |
Housing Distribution
Address Breakdown
Residential
722
Single Family
722
Multi-Family
0
Businesses
7
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 2007
10.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42649, Strunk, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 880 (100%) |
| Owner Occupied HU | 595 (67.6%) |
| Renter Occupied HU | 174 (19.8%) |
| Vacant Housing Units | 111 (12.6%) |
| Median Home Value | $113,797 |
| Average Home Value | $129,819 |
Housing Distribution
Address Breakdown
Residential
722
Single Family
722
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices