21 Whispering OaksMoreheadKY40351








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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


Investment Highlights
Investment property for sale in Morehead at 21 Whispering Oaks, Morehead, KY, 40351 with 5% annual appreciation on a $270,000 basis while $1,747/mo rent supports operations. Total monthly income totals $1,747/mo and a $1,322/mo payment preserves $103/mo for cash returns. Annual cash flow comes to $1,239/yr on $89,505 deployed, and return on cash invested reaches 21.29% in year one. Equity gained on principal adds $1,742/yr, and five-year appreciation sums $74,596 alongside rental yield of 7.76%. Five-year ROI measures 110.17% and total cumulative return in cash totals $98,605.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $1,747/mo property income versus a $1,322/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in 2002
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40351, Morehead, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,508 (100%) |
| Owner Occupied HU | 5,462 (57.4%) |
| Renter Occupied HU | 2,805 (29.5%) |
| Vacant Housing Units | 1,241 (13.1%) |
| Median Home Value | $209,239 |
| Average Home Value | $227,488 |
Housing Distribution
Address Breakdown
Residential
8,950
Single Family
8,839
Multi-Family
111
Businesses
795
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