21 McCracken LnEast BernstadtKY40729
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 21 McCracken Ln, East Bernstadt, KY, 40729 in East Bernstadt deserves attention. This $134,999 property earns $1,410/mo in rent, a 12.53% gross yield, and nets $588/mo after the $607/mo payment. DSCR 2.32 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $37,298 compounds alongside $1,243/yr in yearly equity build, for a total cumulative return of $89,030.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 7.0% |
| Monthly Cash Flow | $588 | $200 |
City averages based on East Bernstadt market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,410 |
| Total Monthly Debt Service | $768 |
| DSCR Ratio | 1.84x |
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.
Townhouse
Built in 2002
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40729, East Bernstadt, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,494 (100%) |
| Owner Occupied HU | 1,838 (73.7%) |
| Renter Occupied HU | 423 (17.0%) |
| Vacant Housing Units | 233 ( 9.3%) |
| Median Home Value | $157,031 |
| Average Home Value | $170,039 |
Housing Distribution
Address Breakdown
Residential
2,315
Single Family
2,314
Multi-Family
1
Businesses
74
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
Townhouse
Built in 2002
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40729, East Bernstadt, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,494 (100%) |
| Owner Occupied HU | 1,838 (73.7%) |
| Renter Occupied HU | 423 (17.0%) |
| Vacant Housing Units | 233 ( 9.3%) |
| Median Home Value | $157,031 |
| Average Home Value | $170,039 |
Housing Distribution
Address Breakdown
Residential
2,315
Single Family
2,314
Multi-Family
1
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices