345 Bellview StJunction CityKY40440
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $239,500, 345 Bellview St, Junction City, KY, 40440 in Junction City generates $1,530/mo in rent (7.67% yield) but nets only $72/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.42) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $66,169. Total projected return: $95,386.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 8.0% |
| Monthly Cash Flow | $72 | $900 |
City averages based on Junction City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,530 |
| Total Monthly Debt Service | $1,362 |
| DSCR Ratio | 1.12x |
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 N/A
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40440, Junction City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 985 (100%) |
| Owner Occupied HU | 647 (65.7%) |
| Renter Occupied HU | 262 (26.6%) |
| Vacant Housing Units | 76 ( 7.7%) |
| Median Home Value | $145,139 |
| Average Home Value | $182,628 |
Housing Distribution
Address Breakdown
Residential
867
Single Family
867
Multi-Family
0
Businesses
47
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
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40440, Junction City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 985 (100%) |
| Owner Occupied HU | 647 (65.7%) |
| Renter Occupied HU | 262 (26.6%) |
| Vacant Housing Units | 76 ( 7.7%) |
| Median Home Value | $145,139 |
| Average Home Value | $182,628 |
Housing Distribution
Address Breakdown
Residential
867
Single Family
867
Multi-Family
0
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ella Mae Dexter • Dexter Real Estate
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #24024170
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.