325 Beech Fork RdClay CityKY40312
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Clay City rentals match the income profile of 325 Beech Fork Rd, Clay City, KY, 40312. Listed at $170,000, gross rent is $1,645/mo and net cash flow is $611/mo, a 11.61% yield well above national averages. DSCR 2.15 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $46,968 by year five with $1,566/yr in annual principal reduction, projecting $103,728 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 7.5% |
| Monthly Cash Flow | $611 | $800 |
City averages based on Clay City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,645 |
| Total Monthly Debt Service | $967 |
| DSCR Ratio | 1.70x |
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 1975
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40312, Clay City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,577 (100%) |
| Owner Occupied HU | 1,670 (64.8%) |
| Renter Occupied HU | 644 (25.0%) |
| Vacant Housing Units | 263 (10.2%) |
| Median Home Value | $178,030 |
| Average Home Value | $208,909 |
Housing Distribution
Address Breakdown
Residential
2,313
Single Family
2,313
Multi-Family
0
Businesses
109
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 1975
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40312, Clay City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,577 (100%) |
| Owner Occupied HU | 1,670 (64.8%) |
| Renter Occupied HU | 644 (25.0%) |
| Vacant Housing Units | 263 (10.2%) |
| Median Home Value | $178,030 |
| Average Home Value | $208,909 |
Housing Distribution
Address Breakdown
Residential
2,313
Single Family
2,313
Multi-Family
0
Businesses
109
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices