202 Gene Gray RdMonticelloKY42633
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 202 Gene Gray Rd, Monticello, KY, 42633 in Monticello is a conservative rental investment at $249,900. Rental yield 6.39%. A 1.18 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $69,043; $2,302/yr in principal paydown supplements. Total projected return: $82,457.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 8.0% |
| Monthly Cash Flow | $(190) | $150 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,331 |
| Total Monthly Debt Service | $1,422 |
| DSCR Ratio | 0.94x |
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 1959
15.74 Acres lot
$N/A/sqft
No HOA
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 1959
15.74 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brandon Davis • No Wake Real Estate
Mls Name: Imagine MLS
Mls ID: #25501077