397 State Route 109SturgisKY42459
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 397 State Route 109, Sturgis, KY, 42459 in Sturgis earns a 8.44% gross yield at $515,000. Rent of $3,623/mo nets $488/mo after the $2,316/mo mortgage. The 1.56 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $142,285 and $4,743/yr in equity accumulation project a total cumulative return of $226,509.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 8.3% |
| Monthly Cash Flow | $488 | $550 |
City averages based on Sturgis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,623 |
| Total Monthly Debt Service | $2,929 |
| DSCR Ratio | 1.24x |
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 2000
25 Acres lot
$N/A/sqft
No HOA
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 2000
25 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices