280 Silverside DrScottsvilleKY42164
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 280 Silverside Dr, Scottsville, KY, 42164 in Scottsville is narrow, $43/mo net on $2,652/mo rent after the $1,928/mo debt service, but the property operates at break-even-plus, not a loss. At $428,700 with a 7.42% yield, the long-run equity case via 5% appreciation ($118,442 over five years) and $3,948/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $165,146.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 8.0% |
| Monthly Cash Flow | $43 | $450 |
City averages based on Scottsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,652 |
| Total Monthly Debt Service | $2,439 |
| DSCR Ratio | 1.09x |
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 2024
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42164, Scottsville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,916 (100%) |
| Owner Occupied HU | 5,203 (65.7%) |
| Renter Occupied HU | 1,790 (22.6%) |
| Vacant Housing Units | 923 (11.7%) |
| Median Home Value | $195,519 |
| Average Home Value | $231,449 |
Housing Distribution
Address Breakdown
Residential
7,696
Single Family
7,695
Multi-Family
1
Businesses
446
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 2024
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42164, Scottsville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,916 (100%) |
| Owner Occupied HU | 5,203 (65.7%) |
| Renter Occupied HU | 1,790 (22.6%) |
| Vacant Housing Units | 923 (11.7%) |
| Median Home Value | $195,519 |
| Average Home Value | $231,449 |
Housing Distribution
Address Breakdown
Residential
7,696
Single Family
7,695
Multi-Family
1
Businesses
446
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A