380 Sugg StMadisonvilleKY42431
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 380 Sugg St, Madisonville, KY, 42431 in Madisonville hard to pass up. The 16.42% gross yield on a $130,000 purchase results in $1,778/mo in rent and $987/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (3.04). Annual cash flow of $11,846, five-year appreciation of $35,917, and $1,197/yr in equity build-up combine for a projected total cumulative return of $112,757.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.4% | 6.5% |
| Monthly Cash Flow | $987 | $650 |
City averages based on Madisonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,778 |
| Total Monthly Debt Service | $739 |
| DSCR Ratio | 2.40x |
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 1889
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42431, Madisonville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,228 (100%) |
| Owner Occupied HU | 7,228 (59.1%) |
| Renter Occupied HU | 3,606 (29.5%) |
| Vacant Housing Units | 1,394 (11.4%) |
| Median Home Value | $157,464 |
| Average Home Value | $194,479 |
Housing Distribution
Address Breakdown
Residential
11,582
Single Family
11,285
Multi-Family
297
Businesses
1,296
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 1889
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42431, Madisonville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,228 (100%) |
| Owner Occupied HU | 7,228 (59.1%) |
| Renter Occupied HU | 3,606 (29.5%) |
| Vacant Housing Units | 1,394 (11.4%) |
| Median Home Value | $157,464 |
| Average Home Value | $194,479 |
Housing Distribution
Address Breakdown
Residential
11,582
Single Family
11,285
Multi-Family
297
Businesses
1,296
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices