317 Pear StHazardKY41701
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow317 Pear St, Hazard, KY, 41701 in Hazard earns its strong cash-flow label: 14.08% yield, $2,550/mo rent, $1,227/mo net income, DSCR 2.61. The $217,360 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $60,053 by year five. Combined with $2,002/yr in principal paydown, total projected return reaches $161,303.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.1% | 7.3% |
| Monthly Cash Flow | $1,227 | $220 |
City averages based on Hazard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,550 |
| Total Monthly Debt Service | $1,236 |
| DSCR Ratio | 2.06x |
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 1989
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41701, Hazard, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,242 (100%) |
| Owner Occupied HU | 4,247 (58.6%) |
| Renter Occupied HU | 2,109 (29.1%) |
| Vacant Housing Units | 886 (12.2%) |
| Median Home Value | $114,824 |
| Average Home Value | $166,979 |
Housing Distribution
Address Breakdown
Residential
6,084
Single Family
5,930
Multi-Family
154
Businesses
627
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 1989
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41701, Hazard, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,242 (100%) |
| Owner Occupied HU | 4,247 (58.6%) |
| Renter Occupied HU | 2,109 (29.1%) |
| Vacant Housing Units | 886 (12.2%) |
| Median Home Value | $114,824 |
| Average Home Value | $166,979 |
Housing Distribution
Address Breakdown
Residential
6,084
Single Family
5,930
Multi-Family
154
Businesses
627
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices