32 Stonegate DrCadizKY42211
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 32 Stonegate Dr, Cadiz, KY, 42211 in Cadiz. Priced at $289,000, it generates $2,473/mo in gross rent and $693/mo in net monthly cash flow, a 10.27% yield that comfortably supports the 1.90 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,322. Five-year appreciation: $79,845. Equity from principal paydown: $2,662/yr. Total projected cumulative return: $154,144.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 9.8% |
| Monthly Cash Flow | $693 | $350 |
City averages based on Cadiz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,473 |
| Total Monthly Debt Service | $1,665 |
| DSCR Ratio | 1.49x |
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 2024
0.30 Acres lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42211, Cadiz, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,329 (100%) |
| Owner Occupied HU | 4,464 (60.9%) |
| Renter Occupied HU | 1,113 (15.2%) |
| Vacant Housing Units | 1,752 (23.9%) |
| Median Home Value | $216,968 |
| Average Home Value | $270,742 |
Housing Distribution
Address Breakdown
Residential
5,796
Single Family
5,760
Multi-Family
36
Businesses
358
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 2024
0.30 Acres lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42211, Cadiz, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,329 (100%) |
| Owner Occupied HU | 4,464 (60.9%) |
| Renter Occupied HU | 1,113 (15.2%) |
| Vacant Housing Units | 1,752 (23.9%) |
| Median Home Value | $216,968 |
| Average Home Value | $270,742 |
Housing Distribution
Address Breakdown
Residential
5,796
Single Family
5,760
Multi-Family
36
Businesses
358
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices