2876 Dry Fork RdSouth ShoreKY41175
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 2876 Dry Fork Rd, South Shore, KY, 41175 in South Shore: $1,200/mo in rent, $214/mo in net income, 8.89% gross yield, 1.65 DSCR, all at $162,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $44,758 in appreciation and $1,492/yr in principal paydown projects total cumulative return of $75,145.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 8.0% |
| Monthly Cash Flow | $214 | $350 |
City averages based on South Shore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $922 |
| DSCR Ratio | 1.30x |
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 2019
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41175, South Shore, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,511 (100%) |
| Owner Occupied HU | 1,726 (68.7%) |
| Renter Occupied HU | 483 (19.2%) |
| Vacant Housing Units | 302 (12.0%) |
| Median Home Value | $129,882 |
| Average Home Value | $152,598 |
Housing Distribution
Address Breakdown
Residential
2,248
Single Family
2,248
Multi-Family
0
Businesses
98
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 2019
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41175, South Shore, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,511 (100%) |
| Owner Occupied HU | 1,726 (68.7%) |
| Renter Occupied HU | 483 (19.2%) |
| Vacant Housing Units | 302 (12.0%) |
| Median Home Value | $129,882 |
| Average Home Value | $152,598 |
Housing Distribution
Address Breakdown
Residential
2,248
Single Family
2,248
Multi-Family
0
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices