259 Rucker StFlemingsburgKY41041
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.21% yield at 259 Rucker St, Flemingsburg, KY, 41041 in Flemingsburg is solid, but the $985/mo payment compresses net cash flow to $165/mo at $219,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $60,506 by year five, and $2,017/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.52) without U.S. income documentation. Total projected return: $93,610.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 9.0% |
| Monthly Cash Flow | $165 | $150 |
City averages based on Flemingsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,498 |
| Total Monthly Debt Service | $1,246 |
| DSCR Ratio | 1.20x |
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 1975
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41041, Flemingsburg, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,368 (100%) |
| Owner Occupied HU | 2,213 (65.7%) |
| Renter Occupied HU | 807 (24.0%) |
| Vacant Housing Units | 348 (10.3%) |
| Median Home Value | $151,359 |
| Average Home Value | $196,042 |
Housing Distribution
Address Breakdown
Residential
3,213
Single Family
3,201
Multi-Family
12
Businesses
293
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 1975
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41041, Flemingsburg, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,368 (100%) |
| Owner Occupied HU | 2,213 (65.7%) |
| Renter Occupied HU | 807 (24.0%) |
| Vacant Housing Units | 348 (10.3%) |
| Median Home Value | $151,359 |
| Average Home Value | $196,042 |
Housing Distribution
Address Breakdown
Residential
3,213
Single Family
3,201
Multi-Family
12
Businesses
293
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Buffalo Trace MLS
Mls ID: #44158