342 Kellacey RdWest LibertyKY41472
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 342 Kellacey Rd, West Liberty, KY, 41472 in West Liberty at $159,900 earns $1,165/mo in rent and nets $192/mo after the $719/mo payment, a 8.74% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $44,177 over five years. Ziffy Mortgage underwrites this on a 1.62 DSCR without U.S. credit history. With $1,473/yr in principal paydown, total projected return reaches $72,943.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 8.0% |
| Monthly Cash Flow | $192 | $850 |
City averages based on West Liberty market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,165 |
| Total Monthly Debt Service | $910 |
| DSCR Ratio | 1.28x |
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.
Manufactured
Built in 1996
7 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41472, West Liberty, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,398 (100%) |
| Owner Occupied HU | 2,993 (68.1%) |
| Renter Occupied HU | 797 (18.1%) |
| Vacant Housing Units | 608 (13.8%) |
| Median Home Value | $155,451 |
| Average Home Value | $177,854 |
Housing Distribution
Address Breakdown
Residential
3,945
Single Family
3,945
Multi-Family
0
Businesses
223
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
Manufactured
Built in 1996
7 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41472, West Liberty, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,398 (100%) |
| Owner Occupied HU | 2,993 (68.1%) |
| Renter Occupied HU | 797 (18.1%) |
| Vacant Housing Units | 608 (13.8%) |
| Median Home Value | $155,451 |
| Average Home Value | $177,854 |
Housing Distribution
Address Breakdown
Residential
3,945
Single Family
3,945
Multi-Family
0
Businesses
223
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jonathan Wood • HomeLand Real Estate Inc - Mt Sterling
Mls Name: Imagine MLS
Mls ID: #25019280