2009 Timberline CirOak GroveKY42262
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 2009 Timberline Cir, Oak Grove, KY, 42262 in Oak Grove earns a 9.82% gross yield at $198,000. Rent of $1,620/mo nets $415/mo after the $890/mo mortgage. The 1.82 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $54,704 and $1,824/yr in equity accumulation project a total cumulative return of $101,762.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.0% |
| Monthly Cash Flow | $415 | $850 |
City averages based on Oak Grove market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,620 |
| Total Monthly Debt Service | $1,126 |
| DSCR Ratio | 1.44x |
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 2000
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42262, Oak Grove, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,730 (100%) |
| Owner Occupied HU | 1,278 (34.3%) |
| Renter Occupied HU | 2,053 (55.0%) |
| Vacant Housing Units | 399 (10.7%) |
| Median Home Value | $173,397 |
| Average Home Value | $203,343 |
Housing Distribution
Address Breakdown
Residential
3,794
Single Family
3,794
Multi-Family
0
Businesses
225
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 2000
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42262, Oak Grove, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,730 (100%) |
| Owner Occupied HU | 1,278 (34.3%) |
| Renter Occupied HU | 2,053 (55.0%) |
| Vacant Housing Units | 399 (10.7%) |
| Median Home Value | $173,397 |
| Average Home Value | $203,343 |
Housing Distribution
Address Breakdown
Residential
3,794
Single Family
3,794
Multi-Family
0
Businesses
225
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices