2910 Williamsburg StWhitley CityKY42653
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 2910 Williamsburg St, Whitley City, KY, 42653 in Whitley City is a conservative rental investment at $279,900. Rental yield 6.53%. A 1.21 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $77,331; $2,578/yr in principal paydown supplements. Total projected return: $94,396.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 7.0% |
| Monthly Cash Flow | $(181) | $200 |
City averages based on Whitley City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,523 |
| Total Monthly Debt Service | $1,592 |
| DSCR Ratio | 0.96x |
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 2000
6.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42653, Whitley City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,040 (100%) |
| Owner Occupied HU | 1,212 (59.4%) |
| Renter Occupied HU | 562 (27.5%) |
| Vacant Housing Units | 266 (13.0%) |
| Median Home Value | $105,423 |
| Average Home Value | $130,584 |
Housing Distribution
Address Breakdown
Residential
1,357
Single Family
1,357
Multi-Family
0
Businesses
169
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 2000
6.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42653, Whitley City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,040 (100%) |
| Owner Occupied HU | 1,212 (59.4%) |
| Renter Occupied HU | 562 (27.5%) |
| Vacant Housing Units | 266 (13.0%) |
| Median Home Value | $105,423 |
| Average Home Value | $130,584 |
Housing Distribution
Address Breakdown
Residential
1,357
Single Family
1,357
Multi-Family
0
Businesses
169
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices