258 E Cumberland AveJamestownKY42629
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 258 E Cumberland Ave, Jamestown, KY, 42629 in Jamestown deserves attention. This $146,000 property earns $1,404/mo in rent, a 11.54% gross yield, and nets $515/mo after the $657/mo payment. DSCR 2.14 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $40,337 compounds alongside $1,345/yr in yearly equity build, for a total cumulative return of $88,491.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 7.8% |
| Monthly Cash Flow | $515 | $450 |
City averages based on Jamestown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,404 |
| Total Monthly Debt Service | $830 |
| DSCR Ratio | 1.69x |
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 N/A
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42629, Jamestown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,138 (100%) |
| Owner Occupied HU | 1,576 (50.2%) |
| Renter Occupied HU | 532 (17.0%) |
| Vacant Housing Units | 1,030 (32.8%) |
| Median Home Value | $215,183 |
| Average Home Value | $266,413 |
Housing Distribution
Address Breakdown
Residential
2,280
Single Family
2,240
Multi-Family
40
Businesses
167
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 N/A
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42629, Jamestown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,138 (100%) |
| Owner Occupied HU | 1,576 (50.2%) |
| Renter Occupied HU | 532 (17.0%) |
| Vacant Housing Units | 1,030 (32.8%) |
| Median Home Value | $215,183 |
| Average Home Value | $266,413 |
Housing Distribution
Address Breakdown
Residential
2,280
Single Family
2,240
Multi-Family
40
Businesses
167
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices