220 Railroad StJunction CityKY40440
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 220 Railroad St, Junction City, KY, 40440 in Junction City. Priced at $167,000, it generates $1,534/mo in gross rent and $517/mo in net monthly cash flow, a 11.02% yield that comfortably supports the 2.04 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,207. Five-year appreciation: $46,139. Equity from principal paydown: $1,538/yr. Total projected cumulative return: $96,550.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 8.0% |
| Monthly Cash Flow | $517 | $900 |
City averages based on Junction City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,534 |
| Total Monthly Debt Service | $950 |
| DSCR Ratio | 1.61x |
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 1995
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40440, Junction City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 985 (100%) |
| Owner Occupied HU | 647 (65.7%) |
| Renter Occupied HU | 262 (26.6%) |
| Vacant Housing Units | 76 ( 7.7%) |
| Median Home Value | $145,139 |
| Average Home Value | $182,628 |
Housing Distribution
Address Breakdown
Residential
867
Single Family
867
Multi-Family
0
Businesses
47
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 1995
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40440, Junction City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 985 (100%) |
| Owner Occupied HU | 647 (65.7%) |
| Renter Occupied HU | 262 (26.6%) |
| Vacant Housing Units | 76 ( 7.7%) |
| Median Home Value | $145,139 |
| Average Home Value | $182,628 |
Housing Distribution
Address Breakdown
Residential
867
Single Family
867
Multi-Family
0
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Imagine MLS
Mls ID: #25507465