3130 Mobley Mill RdCoxs CreekKY40013
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.21% gross rental yield, 3130 Mobley Mill Rd, Coxs Creek, KY, 40013 in Coxs Creek is priced for capital growth, not immediate cash flow. The $749,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $207,184 by year five, with $6,907/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.97) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $199,748.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.5% |
| Monthly Cash Flow | $(1,310) | $1,200 |
City averages based on Coxs Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,254 |
| Total Monthly Debt Service | $4,266 |
| DSCR Ratio | 0.76x |
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 1996
12.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40013, Coxs Creek, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,640 (100%) |
| Owner Occupied HU | 2,303 (87.2%) |
| Renter Occupied HU | 201 ( 7.6%) |
| Vacant Housing Units | 136 ( 5.2%) |
| Median Home Value | $273,274 |
| Average Home Value | $314,604 |
Housing Distribution
Address Breakdown
Residential
2,546
Single Family
2,546
Multi-Family
0
Businesses
45
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 1996
12.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40013, Coxs Creek, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,640 (100%) |
| Owner Occupied HU | 2,303 (87.2%) |
| Renter Occupied HU | 201 ( 7.6%) |
| Vacant Housing Units | 136 ( 5.2%) |
| Median Home Value | $273,274 |
| Average Home Value | $314,604 |
Housing Distribution
Address Breakdown
Residential
2,546
Single Family
2,546
Multi-Family
0
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Molly J Mattingly • Demaree & Hubbard
Mls Name: GLARMLS
Mls ID: #1697518