200 W Highway 635Science HillKY42553
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 200 W Highway 635, Science Hill, KY, 42553 in Science Hill at $239,900 earns $1,660/mo in rent and nets $200/mo after the $1,079/mo payment, a 8.3% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $66,280 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $2,210/yr in principal paydown, total projected return reaches $103,749.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 8.0% |
| Monthly Cash Flow | $200 | $500 |
City averages based on Science Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,660 |
| Total Monthly Debt Service | $1,365 |
| DSCR Ratio | 1.22x |
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 N/A
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42553, Science Hill, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,448 (100%) |
| Owner Occupied HU | 1,660 (67.8%) |
| Renter Occupied HU | 488 (19.9%) |
| Vacant Housing Units | 300 (12.3%) |
| Median Home Value | $187,195 |
| Average Home Value | $259,854 |
Housing Distribution
Address Breakdown
Residential
2,162
Single Family
2,162
Multi-Family
0
Businesses
67
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
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42553, Science Hill, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,448 (100%) |
| Owner Occupied HU | 1,660 (67.8%) |
| Renter Occupied HU | 488 (19.9%) |
| Vacant Housing Units | 300 (12.3%) |
| Median Home Value | $187,195 |
| Average Home Value | $259,854 |
Housing Distribution
Address Breakdown
Residential
2,162
Single Family
2,162
Multi-Family
0
Businesses
67
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Imagine MLS
Mls ID: #26005712