3406 Brown RdMadisonvilleKY42431
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3406 Brown Rd, Madisonville, KY, 42431 in Madisonville. At $850,000 it earns $6,446/mo in rent and distributes $1,273/mo to the owner after the $3,822/mo payment, a consistent 9.1% yield. DSCR 1.69 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $234,839 in value; $7,829/yr in principal paydown compounds ownership stake. Total projected return: $403,882.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.5% |
| Monthly Cash Flow | $1,273 | $650 |
City averages based on Madisonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,446 |
| Total Monthly Debt Service | $4,835 |
| DSCR Ratio | 1.33x |
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 2006
3.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42431, Madisonville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,228 (100%) |
| Owner Occupied HU | 7,228 (59.1%) |
| Renter Occupied HU | 3,606 (29.5%) |
| Vacant Housing Units | 1,394 (11.4%) |
| Median Home Value | $157,464 |
| Average Home Value | $194,479 |
Housing Distribution
Address Breakdown
Residential
11,582
Single Family
11,285
Multi-Family
297
Businesses
1,296
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 2006
3.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42431, Madisonville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,228 (100%) |
| Owner Occupied HU | 7,228 (59.1%) |
| Renter Occupied HU | 3,606 (29.5%) |
| Vacant Housing Units | 1,394 (11.4%) |
| Median Home Value | $157,464 |
| Average Home Value | $194,479 |
Housing Distribution
Address Breakdown
Residential
11,582
Single Family
11,285
Multi-Family
297
Businesses
1,296
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Betty L Peyton • New Horizons Realty Inc.
Mls Name: RASK
Mls Provider:
Mls ID: #RA20250477
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.