1839 Coldwater RdInezKY41224
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1839 Coldwater Rd, Inez, KY, 41224 in Inez worth study. Rental yield 5.44%. The 5.44% gross yield is below cash-flow benchmarks at $198,500, but 5% annual appreciation, adding $54,842 over five years, frames this as a capital growth position. Rent of $900/mo partially offsets the $893/mo payment. Ziffy Mortgage finances appreciation-play properties (1.01 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $55,354.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 8.8% |
| Monthly Cash Flow | $(308) | $350 |
City averages based on Inez market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $900 |
| Total Monthly Debt Service | $1,129 |
| DSCR Ratio | 0.80x |
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 2020
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41224, Inez, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,030 (100%) |
| Owner Occupied HU | 1,364 (67.2%) |
| Renter Occupied HU | 350 (17.2%) |
| Vacant Housing Units | 316 (15.6%) |
| Median Home Value | $107,367 |
| Average Home Value | $117,386 |
Housing Distribution
Address Breakdown
Residential
1,177
Single Family
1,152
Multi-Family
25
Businesses
139
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 2020
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41224, Inez, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,030 (100%) |
| Owner Occupied HU | 1,364 (67.2%) |
| Renter Occupied HU | 350 (17.2%) |
| Vacant Housing Units | 316 (15.6%) |
| Median Home Value | $107,367 |
| Average Home Value | $117,386 |
Housing Distribution
Address Breakdown
Residential
1,177
Single Family
1,152
Multi-Family
25
Businesses
139
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices