318 Gaddie Cottrell RdBonnievilleKY42713
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 318 Gaddie Cottrell Rd, Bonnieville, KY, 42713 in Bonnieville is capital appreciation. Rental yield 4.1%. The 4.1% gross yield at $330,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $91,173 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.76) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $68,259.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.1% |
| Monthly Cash Flow | $(882) | $150 |
City averages based on Bonnieville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,127 |
| Total Monthly Debt Service | $1,877 |
| DSCR Ratio | 0.60x |
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 1997
29.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42713, Bonnieville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 886 (100%) |
| Owner Occupied HU | 627 (70.8%) |
| Renter Occupied HU | 148 (16.7%) |
| Vacant Housing Units | 111 (12.5%) |
| Median Home Value | $161,968 |
| Average Home Value | $186,304 |
Housing Distribution
Address Breakdown
Residential
775
Single Family
775
Multi-Family
0
Businesses
24
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 1997
29.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42713, Bonnieville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 886 (100%) |
| Owner Occupied HU | 627 (70.8%) |
| Renter Occupied HU | 148 (16.7%) |
| Vacant Housing Units | 111 (12.5%) |
| Median Home Value | $161,968 |
| Average Home Value | $186,304 |
Housing Distribution
Address Breakdown
Residential
775
Single Family
775
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Melissa Richards • Keller Williams First Choice Realty
Mls Name: South Central Kentucky AOR
Mls ID: #SC47712