162 K.z. Ratliff LnSouth ShoreKY41175
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 162 K. z. Ratliff Ln, South Shore, KY, 41175 in South Shore. At $129,000 it earns $1,200/mo in rent and distributes $415/mo to the owner after the $580/mo payment, a consistent 11.16% yield. DSCR 2.07 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $35,640 in value; $1,188/yr in principal paydown compounds ownership stake. Total projected return: $75,588.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 8.0% |
| Monthly Cash Flow | $415 | $350 |
City averages based on South Shore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $734 |
| DSCR Ratio | 1.64x |
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 1968
5,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41175, South Shore, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,511 (100%) |
| Owner Occupied HU | 1,726 (68.7%) |
| Renter Occupied HU | 483 (19.2%) |
| Vacant Housing Units | 302 (12.0%) |
| Median Home Value | $129,882 |
| Average Home Value | $152,598 |
Housing Distribution
Address Breakdown
Residential
2,248
Single Family
2,248
Multi-Family
0
Businesses
98
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 1968
5,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41175, South Shore, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,511 (100%) |
| Owner Occupied HU | 1,726 (68.7%) |
| Renter Occupied HU | 483 (19.2%) |
| Vacant Housing Units | 302 (12.0%) |
| Median Home Value | $129,882 |
| Average Home Value | $152,598 |
Housing Distribution
Address Breakdown
Residential
2,248
Single Family
2,248
Multi-Family
0
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Regina Wright • Brush Realty
Mls Name: GPABR
Mls ID: #154193