220 Tucker Schoolhouse RdMadisonvilleKY42431
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 220 Tucker Schoolhouse Rd, Madisonville, KY, 42431 in Madisonville is capital appreciation. Rental yield 2.87%. The 2.87% gross yield at $550,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $151,955 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.53) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $77,550.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.5% |
| Monthly Cash Flow | $(2,032) | $650 |
City averages based on Madisonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,315 |
| Total Monthly Debt Service | $3,129 |
| DSCR Ratio | 0.42x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1925
6.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42431, Madisonville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,228 (100%) |
| Owner Occupied HU | 7,228 (59.1%) |
| Renter Occupied HU | 3,606 (29.5%) |
| Vacant Housing Units | 1,394 (11.4%) |
| Median Home Value | $157,464 |
| Average Home Value | $194,479 |
Housing Distribution
Address Breakdown
Residential
11,582
Single Family
11,285
Multi-Family
297
Businesses
1,296
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
Multi Family
Built in 1925
6.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42431, Madisonville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,228 (100%) |
| Owner Occupied HU | 7,228 (59.1%) |
| Renter Occupied HU | 3,606 (29.5%) |
| Vacant Housing Units | 1,394 (11.4%) |
| Median Home Value | $157,464 |
| Average Home Value | $194,479 |
Housing Distribution
Address Breakdown
Residential
11,582
Single Family
11,285
Multi-Family
297
Businesses
1,296
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nathan Eaves • Eaves Realty Auc-KW 1st Choice
Mls Name: RASK
Mls ID: #RA20256396