347-349 Wildwood CirGilbertsvilleKY42044
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 347-349 Wildwood Cir, Gilbertsville, KY, 42044 in Gilbertsville the bet is firmly on appreciation. Rental yield 4.6%. The 4.6% gross yield on a $350,000 price is below income-first thresholds, but 5%/yr value growth projects $96,699 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.85) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $81,895.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 7.0% |
| Monthly Cash Flow | $(787) | $450 |
City averages based on Gilbertsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,343 |
| Total Monthly Debt Service | $1,991 |
| DSCR Ratio | 0.67x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in N/A
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42044, Gilbertsville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,332 (100%) |
| Owner Occupied HU | 1,291 (55.4%) |
| Renter Occupied HU | 244 (10.5%) |
| Vacant Housing Units | 797 (34.2%) |
| Median Home Value | $279,534 |
| Average Home Value | $302,725 |
Housing Distribution
Address Breakdown
Residential
1,778
Single Family
1,778
Multi-Family
0
Businesses
48
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
Multi Family
Built in N/A
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42044, Gilbertsville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,332 (100%) |
| Owner Occupied HU | 1,291 (55.4%) |
| Renter Occupied HU | 244 (10.5%) |
| Vacant Housing Units | 797 (34.2%) |
| Median Home Value | $279,534 |
| Average Home Value | $302,725 |
Housing Distribution
Address Breakdown
Residential
1,778
Single Family
1,778
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Monti Collins • Housman Partners Benton Branch
Mls Name: WKRMLS
Mls ID: #135437