18 Indian Mill RdPark CityKY42160
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 18 Indian Mill Rd, Park City, KY, 42160 in Park City is narrow, $167/mo net on $1,229/mo rent after the $785/mo debt service, but the property operates at break-even-plus, not a loss. At $174,500 with a 8.45% yield, the long-run equity case via 5% appreciation ($48,211 over five years) and $1,607/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.57 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $76,873.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.0% |
| Monthly Cash Flow | $167 | $450 |
City averages based on Park City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,229 |
| Total Monthly Debt Service | $993 |
| DSCR Ratio | 1.24x |
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 N/A
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42160, Park City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,196 (100%) |
| Owner Occupied HU | 745 (62.3%) |
| Renter Occupied HU | 327 (27.3%) |
| Vacant Housing Units | 124 (10.4%) |
| Median Home Value | $159,801 |
| Average Home Value | $198,372 |
Housing Distribution
Address Breakdown
Residential
896
Single Family
896
Multi-Family
0
Businesses
42
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 N/A
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42160, Park City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,196 (100%) |
| Owner Occupied HU | 745 (62.3%) |
| Renter Occupied HU | 327 (27.3%) |
| Vacant Housing Units | 124 (10.4%) |
| Median Home Value | $159,801 |
| Average Home Value | $198,372 |
Housing Distribution
Address Breakdown
Residential
896
Single Family
896
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices