327 Main StPaint LickKY40461
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 327 Main St, Paint Lick, KY, 40461 in Paint Lick is narrow, $50/mo net on $2,180/mo rent after the $1,574/mo debt service, but the property operates at break-even-plus, not a loss. At $350,000 with a 7.48% yield, the long-run equity case via 5% appreciation ($96,699 over five years) and $3,224/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $135,751.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.5% |
| Monthly Cash Flow | $50 | $450 |
City averages based on Paint Lick market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,180 |
| Total Monthly Debt Service | $1,991 |
| DSCR Ratio | 1.09x |
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 1950
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40461, Paint Lick, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,079 (100%) |
| Owner Occupied HU | 804 (74.5%) |
| Renter Occupied HU | 206 (19.1%) |
| Vacant Housing Units | 69 ( 6.4%) |
| Median Home Value | $239,416 |
| Average Home Value | $253,165 |
Housing Distribution
Address Breakdown
Residential
1,090
Single Family
1,090
Multi-Family
0
Businesses
37
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 1950
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40461, Paint Lick, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,079 (100%) |
| Owner Occupied HU | 804 (74.5%) |
| Renter Occupied HU | 206 (19.1%) |
| Vacant Housing Units | 69 ( 6.4%) |
| Median Home Value | $239,416 |
| Average Home Value | $253,165 |
Housing Distribution
Address Breakdown
Residential
1,090
Single Family
1,090
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Vanessa Vale Team - Vanessa Vale Womack • LPT Realty
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #26002802
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.