2708 Sipes School RdHorse BranchKY42349
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play2708 Sipes School Rd, Horse Branch, KY, 42349 in Horse Branch is priced for appreciation, not yield. Rental yield 5.48%. At $315,000 with a 5.48% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $87,029 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.02) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $88,558.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 8.5% |
| Monthly Cash Flow | $(478) | $450 |
City averages based on Horse Branch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,439 |
| Total Monthly Debt Service | $1,792 |
| DSCR Ratio | 0.80x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2007
5.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42349, Horse Branch, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 688 (100%) |
| Owner Occupied HU | 517 (75.1%) |
| Renter Occupied HU | 93 (13.5%) |
| Vacant Housing Units | 78 (11.3%) |
| Median Home Value | $120,898 |
| Average Home Value | $181,784 |
Housing Distribution
Address Breakdown
Residential
562
Single Family
562
Multi-Family
0
Businesses
9
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 2007
5.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42349, Horse Branch, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 688 (100%) |
| Owner Occupied HU | 517 (75.1%) |
| Renter Occupied HU | 93 (13.5%) |
| Vacant Housing Units | 78 (11.3%) |
| Median Home Value | $120,898 |
| Average Home Value | $181,784 |
Housing Distribution
Address Breakdown
Residential
562
Single Family
562
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ivanna S Yeager • SCHULER BAUER REAL ESTATE SERVICES ERA POWERED- Elizabethtown
Mls Name: HKMLS
Mls ID: #HK25003797