1980 Downing RdKirkseyKY42054
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 1980 Downing Rd, Kirksey, KY, 42054 in Kirksey. Rental yield 6.27%. The 1.16 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $70,452 and $2,349/yr in principal reduction project total return of $82,463.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.2% |
| Monthly Cash Flow | $(220) | $350 |
City averages based on Kirksey market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,332 |
| Total Monthly Debt Service | $1,451 |
| DSCR Ratio | 0.92x |
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
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42054, Kirksey, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 412 (75.7%) |
| Renter Occupied HU | 66 (12.1%) |
| Vacant Housing Units | 66 (12.1%) |
| Median Home Value | $173,750 |
| Average Home Value | $227,063 |
Housing Distribution
Address Breakdown
Residential
421
Single Family
421
Multi-Family
0
Businesses
11
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
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42054, Kirksey, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 412 (75.7%) |
| Renter Occupied HU | 66 (12.1%) |
| Vacant Housing Units | 66 (12.1%) |
| Median Home Value | $173,750 |
| Average Home Value | $227,063 |
Housing Distribution
Address Breakdown
Residential
421
Single Family
421
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices