38 Orchard DrClintonKY42031
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 38 Orchard Dr, Clinton, KY, 42031 in Clinton is listed at $110,000 and delivers $988/mo in rent and $318/mo in net monthly cash flow. The 10.77% yield and 2.00 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $30,391 over five years, and $1,013/yr in principal reduction supplements cash return. Total projected cumulative return: $62,137.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 9.0% |
| Monthly Cash Flow | $318 | $850 |
City averages based on Clinton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $988 |
| Total Monthly Debt Service | $626 |
| DSCR Ratio | 1.58x |
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 1953
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42031, Clinton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,601 (100%) |
| Owner Occupied HU | 1,082 (67.6%) |
| Renter Occupied HU | 340 (21.2%) |
| Vacant Housing Units | 179 (11.2%) |
| Median Home Value | $144,912 |
| Average Home Value | $198,057 |
Housing Distribution
Address Breakdown
Residential
1,326
Single Family
1,326
Multi-Family
0
Businesses
131
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 1953
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42031, Clinton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,601 (100%) |
| Owner Occupied HU | 1,082 (67.6%) |
| Renter Occupied HU | 340 (21.2%) |
| Vacant Housing Units | 179 (11.2%) |
| Median Home Value | $144,912 |
| Average Home Value | $198,057 |
Housing Distribution
Address Breakdown
Residential
1,326
Single Family
1,326
Multi-Family
0
Businesses
131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chris Fulton • Chris Fulton Real Estate
Mls Name: WKRMLS
Mls ID: #133071
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.