1704 Cottonwood DrHickmanKY42050
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 1704 Cottonwood Dr, Hickman, KY, 42050 in Hickman earns a 9.37% gross yield at $139,000. Rent of $1,085/mo nets $239/mo after the $625/mo mortgage. The 1.74 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $38,403 and $1,280/yr in equity accumulation project a total cumulative return of $68,060.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 9.5% |
| Monthly Cash Flow | $239 | $450 |
City averages based on Hickman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,085 |
| Total Monthly Debt Service | $791 |
| DSCR Ratio | 1.37x |
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 1986
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42050, Hickman, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,364 (100%) |
| Owner Occupied HU | 727 (53.3%) |
| Renter Occupied HU | 434 (31.8%) |
| Vacant Housing Units | 203 (14.9%) |
| Median Home Value | $78,409 |
| Average Home Value | $119,580 |
Housing Distribution
Address Breakdown
Residential
1,173
Single Family
1,134
Multi-Family
39
Businesses
89
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 1986
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42050, Hickman, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,364 (100%) |
| Owner Occupied HU | 727 (53.3%) |
| Renter Occupied HU | 434 (31.8%) |
| Vacant Housing Units | 203 (14.9%) |
| Median Home Value | $78,409 |
| Average Home Value | $119,580 |
Housing Distribution
Address Breakdown
Residential
1,173
Single Family
1,134
Multi-Family
39
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kay Martin • JIM MARTIN & ASSOCIATES
Mls Name: RRAR
Mls ID: #45282
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.