205 Kentucky AveSomersetKY42501
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 205 Kentucky Ave, Somerset, KY, 42501 in Somerset speaks for itself: 11.95% gross on a $259,900 price, generating $2,588/mo in rent and $1,007/mo in net income after the $1,169/mo debt service. DSCR 2.21, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $12,079 stacks alongside $71,806 in projected five-year appreciation and $2,394/yr in principal reduction. Projected total cumulative return: $163,200.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.0% |
| Monthly Cash Flow | $1,007 | $450 |
City averages based on Somerset market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,588 |
| Total Monthly Debt Service | $1,478 |
| DSCR Ratio | 1.75x |
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
9,757 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42501, Somerset, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,624 (100%) |
| Owner Occupied HU | 4,624 (53.6%) |
| Renter Occupied HU | 2,893 (33.5%) |
| Vacant Housing Units | 1,107 (12.8%) |
| Median Home Value | $167,347 |
| Average Home Value | $236,454 |
Housing Distribution
Address Breakdown
Residential
7,945
Single Family
7,728
Multi-Family
217
Businesses
1,026
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
9,757 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42501, Somerset, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,624 (100%) |
| Owner Occupied HU | 4,624 (53.6%) |
| Renter Occupied HU | 2,893 (33.5%) |
| Vacant Housing Units | 1,107 (12.8%) |
| Median Home Value | $167,347 |
| Average Home Value | $236,454 |
Housing Distribution
Address Breakdown
Residential
7,945
Single Family
7,728
Multi-Family
217
Businesses
1,026
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices