239 Howards Creek RdSandy HookKY41171
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 239 Howards Creek Rd, Sandy Hook, KY, 41171 in Sandy Hook at $140,000 earns $967/mo in rent and nets $115/mo after the $630/mo payment, a 8.29% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $38,679 over five years. Ziffy Mortgage underwrites this on a 1.53 DSCR without U.S. credit history. With $1,289/yr in principal paydown, total projected return reaches $60,444.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.2% |
| Monthly Cash Flow | $115 | $850 |
City averages based on Sandy Hook market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $967 |
| Total Monthly Debt Service | $796 |
| DSCR Ratio | 1.21x |
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.
Manufactured
Built in 2013
24 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41171, Sandy Hook, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,943 (100%) |
| Owner Occupied HU | 1,176 (60.5%) |
| Renter Occupied HU | 420 (21.6%) |
| Vacant Housing Units | 347 (17.9%) |
| Median Home Value | $132,813 |
| Average Home Value | $173,942 |
Housing Distribution
Address Breakdown
Residential
1,520
Single Family
1,520
Multi-Family
0
Businesses
93
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
Manufactured
Built in 2013
24 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41171, Sandy Hook, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,943 (100%) |
| Owner Occupied HU | 1,176 (60.5%) |
| Renter Occupied HU | 420 (21.6%) |
| Vacant Housing Units | 347 (17.9%) |
| Median Home Value | $132,813 |
| Average Home Value | $173,942 |
Housing Distribution
Address Breakdown
Residential
1,520
Single Family
1,520
Multi-Family
0
Businesses
93
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: My State MLS
Mls ID: #11673341