221 N Ewing StGuthrieKY42234
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 221 N Ewing St, Guthrie, KY, 42234 in Guthrie is listed at $248,900 and delivers $2,029/mo in rent and $514/mo in net monthly cash flow. The 9.78% yield and 1.81 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $68,766 over five years, and $2,292/yr in principal reduction supplements cash return. Total projected cumulative return: $127,404.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.0% |
| Monthly Cash Flow | $514 | $450 |
City averages based on Guthrie market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,029 |
| Total Monthly Debt Service | $1,416 |
| DSCR Ratio | 1.43x |
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 1960
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42234, Guthrie, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 990 (100%) |
| Owner Occupied HU | 547 (55.3%) |
| Renter Occupied HU | 335 (33.8%) |
| Vacant Housing Units | 108 (10.9%) |
| Median Home Value | $150,284 |
| Average Home Value | $181,755 |
Housing Distribution
Address Breakdown
Residential
696
Single Family
696
Multi-Family
0
Businesses
83
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 1960
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42234, Guthrie, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 990 (100%) |
| Owner Occupied HU | 547 (55.3%) |
| Renter Occupied HU | 335 (33.8%) |
| Vacant Housing Units | 108 (10.9%) |
| Median Home Value | $150,284 |
| Average Home Value | $181,755 |
Housing Distribution
Address Breakdown
Residential
696
Single Family
696
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices