1929 Highway 2003McKeeKY40447
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1929 Highway 2003, McKee, KY, 40447 in McKee is capital appreciation. Rental yield 4.09%. The 4.09% gross yield at $400,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $110,513 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.76) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $82,558.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 9.0% |
| Monthly Cash Flow | $(1,071) | $150 |
City averages based on McKee market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,363 |
| Total Monthly Debt Service | $2,275 |
| DSCR Ratio | 0.60x |
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 1949
24 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40447, Mc Kee, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,289 (100%) |
| Owner Occupied HU | 2,160 (65.7%) |
| Renter Occupied HU | 685 (20.8%) |
| Vacant Housing Units | 444 (13.5%) |
| Median Home Value | $128,906 |
| Average Home Value | $150,468 |
Housing Distribution
Address Breakdown
Residential
3,316
Single Family
3,256
Multi-Family
60
Businesses
166
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 1949
24 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40447, Mc Kee, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,289 (100%) |
| Owner Occupied HU | 2,160 (65.7%) |
| Renter Occupied HU | 685 (20.8%) |
| Vacant Housing Units | 444 (13.5%) |
| Median Home Value | $128,906 |
| Average Home Value | $150,468 |
Housing Distribution
Address Breakdown
Residential
3,316
Single Family
3,256
Multi-Family
60
Businesses
166
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices