2085 Summit RdBig CliftyKY42712
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 2085 Summit Rd, Big Clifty, KY, 42712 in Big Clifty at $192,500 earns $1,184/mo in rent and nets $13/mo after the $866/mo payment, a 7.38% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $53,184 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $1,773/yr in principal paydown, total projected return reaches $73,700.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 9.0% |
| Monthly Cash Flow | $13 | $450 |
City averages based on Big Clifty market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,184 |
| Total Monthly Debt Service | $1,095 |
| DSCR Ratio | 1.08x |
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 1956
6.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42712, Big Clifty, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 826 (100%) |
| Owner Occupied HU | 602 (72.9%) |
| Renter Occupied HU | 111 (13.4%) |
| Vacant Housing Units | 113 (13.7%) |
| Median Home Value | $172,180 |
| Average Home Value | $206,478 |
Housing Distribution
Address Breakdown
Residential
858
Single Family
858
Multi-Family
0
Businesses
27
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 1956
6.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42712, Big Clifty, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 826 (100%) |
| Owner Occupied HU | 602 (72.9%) |
| Renter Occupied HU | 111 (13.4%) |
| Vacant Housing Units | 113 (13.7%) |
| Median Home Value | $172,180 |
| Average Home Value | $206,478 |
Housing Distribution
Address Breakdown
Residential
858
Single Family
858
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Val Claycomb • SCHULER BAUER REAL ESTATE SERVICES ERA POWERED- Elizabethtown
Mls Name: HKMLS
Mls ID: #HK25001815