1560 Bell Phipps RdMonticelloKY42633
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 1560 Bell Phipps Rd, Monticello, KY, 42633 in Monticello. Rental yield 4.54%. At $485,000 with 4.54% gross yield, current distributions are modest, but the 5% appreciation rate projects $133,997 in new equity by year five, complemented by $4,467/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.84) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $111,801.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 8.0% |
| Monthly Cash Flow | $(1,118) | $150 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,834 |
| Total Monthly Debt Service | $2,759 |
| DSCR Ratio | 0.66x |
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 2014
3 Acres lot
$N/A/sqft
No HOA
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 2014
3 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Imagine MLS
Mls ID: #26006654