1946 Stoney Creek Rd #1-BCarlisleKY40311
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1946 Stoney Creek Rd #1-B, Carlisle, KY, 40311 in Carlisle fits: $399,900, 3.24% gross yield, and a projected 5% annual appreciation rate adding $110,485 in value within five years. Rental yield 3.24%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.60) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,683/yr in principal paydown and $110,485 in appreciation project a total return of $64,309.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 7.0% |
| Monthly Cash Flow | $(1,355) | $450 |
City averages based on Carlisle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,079 |
| Total Monthly Debt Service | $2,275 |
| DSCR Ratio | 0.47x |
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 N/A
82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40311, Carlisle, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,252 (100%) |
| Owner Occupied HU | 2,075 (63.8%) |
| Renter Occupied HU | 805 (24.8%) |
| Vacant Housing Units | 372 (11.4%) |
| Median Home Value | $135,547 |
| Average Home Value | $172,790 |
Housing Distribution
Address Breakdown
Residential
2,971
Single Family
2,925
Multi-Family
46
Businesses
135
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
82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40311, Carlisle, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,252 (100%) |
| Owner Occupied HU | 2,075 (63.8%) |
| Renter Occupied HU | 805 (24.8%) |
| Vacant Housing Units | 372 (11.4%) |
| Median Home Value | $135,547 |
| Average Home Value | $172,790 |
Housing Distribution
Address Breakdown
Residential
2,971
Single Family
2,925
Multi-Family
46
Businesses
135
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Courtney Bowling • Keller Williams Commonwealth - Nicholasville
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25014546
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.