1961 Acup RdHappyKY41746
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1961 Acup Rd, Happy, KY, 41746 in Happy: $919/mo in rent, $211/mo in net income, 9.41% gross yield, 1.70 DSCR, all at $120,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $33,154 in appreciation and $1,105/yr in principal paydown projects total cumulative return of $57,561.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $211 | $1,200 |
City averages based on Happy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $919 |
| Total Monthly Debt Service | $683 |
| DSCR Ratio | 1.35x |
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 2002
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41746, Happy, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 285 (100%) |
| Owner Occupied HU | 193 (67.7%) |
| Renter Occupied HU | 54 (18.9%) |
| Vacant Housing Units | 38 (13.3%) |
| Median Home Value | $82,619 |
| Average Home Value | $124,119 |
Housing Distribution
Address Breakdown
Residential
94
Single Family
94
Multi-Family
0
Businesses
7
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 2002
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41746, Happy, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 285 (100%) |
| Owner Occupied HU | 193 (67.7%) |
| Renter Occupied HU | 54 (18.9%) |
| Vacant Housing Units | 38 (13.3%) |
| Median Home Value | $82,619 |
| Average Home Value | $124,119 |
Housing Distribution
Address Breakdown
Residential
94
Single Family
94
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Misty Prewitt • Century 21 Advantage Realty
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25010481
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