3681 N Us Highway 23WittensvilleKY41274
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 3681 N Us Highway 23, Wittensville, KY, 41274 in Wittensville earns a 9.14% gross yield at $165,000. Rent of $1,257/mo nets $253/mo after the $742/mo mortgage. The 1.69 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $45,586 and $1,520/yr in equity accumulation project a total cumulative return of $78,794.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.5% |
| Monthly Cash Flow | $253 | $450 |
City averages based on Wittensville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,257 |
| Total Monthly Debt Service | $939 |
| DSCR Ratio | 1.34x |
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 1979
25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41274, Wittensville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 184 (100%) |
| Owner Occupied HU | 109 (59.2%) |
| Renter Occupied HU | 60 (32.6%) |
| Vacant Housing Units | 15 ( 8.2%) |
| Median Home Value | $149,265 |
| Average Home Value | $323,234 |
Housing Distribution
Address Breakdown
Residential
241
Single Family
241
Multi-Family
0
Businesses
11
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 1979
25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41274, Wittensville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 184 (100%) |
| Owner Occupied HU | 109 (59.2%) |
| Renter Occupied HU | 60 (32.6%) |
| Vacant Housing Units | 15 ( 8.2%) |
| Median Home Value | $149,265 |
| Average Home Value | $323,234 |
Housing Distribution
Address Breakdown
Residential
241
Single Family
241
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mary Wright • Re/Max Freedom
Mls Name: Eastern Kentucky AOR
Mls Provider:
Mls ID: #124230
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.