2327 Saint Malo StMadisonvilleKY42431
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 2327 Saint Malo St, Madisonville, KY, 42431 in Madisonville is narrow, $108/mo net on $2,932/mo rent after the $2,086/mo debt service, but the property operates at break-even-plus, not a loss. At $464,000 with a 7.58% yield, the long-run equity case via 5% appreciation ($128,195 over five years) and $4,273/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.41 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $182,773.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.5% |
| Monthly Cash Flow | $108 | $650 |
City averages based on Madisonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,932 |
| Total Monthly Debt Service | $2,639 |
| DSCR Ratio | 1.11x |
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 1989
0.56 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
Single Family
Built in 1989
0.56 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: Sarah Stone Wilkes • Heritage Homes Real Estate
Mls Name: MHCBOR
Mls ID: #117199