321 S Central AveCampbellsvilleKY42718
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 321 S Central Ave, Campbellsville, KY, 42718 in Campbellsville is capital appreciation. Rental yield 5.29%. The 5.29% gross yield at $279,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $77,331 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.98) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $75,856.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 9.0% |
| Monthly Cash Flow | $(469) | $300 |
City averages based on Campbellsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,235 |
| Total Monthly Debt Service | $1,592 |
| DSCR Ratio | 0.78x |
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 N/A
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42718, Campbellsville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,651 (100%) |
| Owner Occupied HU | 6,973 (59.8%) |
| Renter Occupied HU | 3,626 (31.1%) |
| Vacant Housing Units | 1,052 ( 9.0%) |
| Median Home Value | $187,583 |
| Average Home Value | $220,439 |
Housing Distribution
Address Breakdown
Residential
11,146
Single Family
11,085
Multi-Family
61
Businesses
806
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 N/A
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42718, Campbellsville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,651 (100%) |
| Owner Occupied HU | 6,973 (59.8%) |
| Renter Occupied HU | 3,626 (31.1%) |
| Vacant Housing Units | 1,052 ( 9.0%) |
| Median Home Value | $187,583 |
| Average Home Value | $220,439 |
Housing Distribution
Address Breakdown
Residential
11,146
Single Family
11,085
Multi-Family
61
Businesses
806
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Larry Mccauley • Exit Realty McCauley
Mls Name: NY State MLS
Mls ID: #11550123