230 Stephen Trace RdBarbourvilleKY40906
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Barbourville rental at 230 Stephen Trace Rd, Barbourville, KY, 40906 sits in the solid-income band: 9.95% gross yield, $2,483/mo rent, $660/mo net after the $1,347/mo debt service, DSCR 1.84. Entry price of $299,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $82,746 and $2,758/yr in principal reduction bring total cumulative return to $155,948.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 8.0% |
| Monthly Cash Flow | $660 | $450 |
City averages based on Barbourville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,483 |
| Total Monthly Debt Service | $1,704 |
| DSCR Ratio | 1.46x |
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 1993
1.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40906, Barbourville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,006 (100%) |
| Owner Occupied HU | 2,721 (54.4%) |
| Renter Occupied HU | 1,678 (33.5%) |
| Vacant Housing Units | 607 (12.1%) |
| Median Home Value | $154,202 |
| Average Home Value | $177,483 |
Housing Distribution
Address Breakdown
Residential
4,148
Single Family
4,126
Multi-Family
22
Businesses
446
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 1993
1.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40906, Barbourville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,006 (100%) |
| Owner Occupied HU | 2,721 (54.4%) |
| Renter Occupied HU | 1,678 (33.5%) |
| Vacant Housing Units | 607 (12.1%) |
| Median Home Value | $154,202 |
| Average Home Value | $177,483 |
Housing Distribution
Address Breakdown
Residential
4,148
Single Family
4,126
Multi-Family
22
Businesses
446
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Imagine MLS
Mls ID: #26006178