25 Banner Fork RdWallins CreekKY40873
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 25 Banner Fork Rd, Wallins Creek, KY, 40873 in Wallins Creek worth modelling. At $220,000 with a 7.87% gross yield, the $1,444/mo rent leaves $105/mo after the $989/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.46 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $60,782 by year five; $2,026/yr in principal reduction adds further equity. Total projected return: $90,110.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.0% |
| Monthly Cash Flow | $105 | $400 |
City averages based on Wallins Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,444 |
| Total Monthly Debt Service | $1,251 |
| DSCR Ratio | 1.15x |
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 2017
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40873, Wallins Creek, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,219 (100%) |
| Owner Occupied HU | 842 (69.1%) |
| Renter Occupied HU | 215 (17.6%) |
| Vacant Housing Units | 162 (13.3%) |
| Median Home Value | $78,438 |
| Average Home Value | $123,510 |
Housing Distribution
Address Breakdown
Residential
487
Single Family
487
Multi-Family
0
Businesses
14
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 2017
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40873, Wallins Creek, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,219 (100%) |
| Owner Occupied HU | 842 (69.1%) |
| Renter Occupied HU | 215 (17.6%) |
| Vacant Housing Units | 162 (13.3%) |
| Median Home Value | $78,438 |
| Average Home Value | $123,510 |
Housing Distribution
Address Breakdown
Residential
487
Single Family
487
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Blake Ramey • Century 21 Virginia Wilder Real Estate
Mls Name: Imagine MLS
Mls ID: #25504286