314 Mullen Fork Road Pond CrkStoneKY41567
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 314 Mullen Fork Road Pond Crk, Stone, KY, 41567 in Stone at $159,000 earns $1,048/mo in rent and nets $80/mo after the $715/mo payment, a 7.91% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $43,929 over five years. Ziffy Mortgage underwrites this on a 1.47 DSCR without U.S. credit history. With $1,464/yr in principal paydown, total projected return reaches $65,423.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.2% |
| Monthly Cash Flow | $80 | $850 |
City averages based on Stone market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,048 |
| Total Monthly Debt Service | $904 |
| DSCR Ratio | 1.16x |
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.
Manufactured
Built in 1994
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41567, Stone, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 249 (100%) |
| Owner Occupied HU | 164 (65.9%) |
| Renter Occupied HU | 44 (17.7%) |
| Vacant Housing Units | 41 (16.5%) |
| Median Home Value | $114,423 |
| Average Home Value | $152,241 |
Housing Distribution
Address Breakdown
Residential
109
Single Family
109
Multi-Family
0
Businesses
1
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
Manufactured
Built in 1994
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41567, Stone, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 249 (100%) |
| Owner Occupied HU | 164 (65.9%) |
| Renter Occupied HU | 44 (17.7%) |
| Vacant Housing Units | 41 (16.5%) |
| Median Home Value | $114,423 |
| Average Home Value | $152,241 |
Housing Distribution
Address Breakdown
Residential
109
Single Family
109
Multi-Family
0
Businesses
1
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices