405 Duntree RdMount SterlingKY40353
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 405 Duntree Rd, Mount Sterling, KY, 40353 in Mount Sterling. Priced at $169,500, it generates $1,572/mo in gross rent and $540/mo in net monthly cash flow, a 11.13% yield that comfortably supports the 2.06 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,485. Five-year appreciation: $46,830. Equity from principal paydown: $1,561/yr. Total projected cumulative return: $99,039.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.5% |
| Monthly Cash Flow | $540 | $450 |
City averages based on Mount Sterling market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,572 |
| Total Monthly Debt Service | $964 |
| DSCR Ratio | 1.63x |
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 1978
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40353, Mount Sterling, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,016 (100%) |
| Owner Occupied HU | 5,961 (59.5%) |
| Renter Occupied HU | 3,264 (32.6%) |
| Vacant Housing Units | 791 ( 7.9%) |
| Median Home Value | $190,101 |
| Average Home Value | $242,793 |
Housing Distribution
Address Breakdown
Residential
9,390
Single Family
9,202
Multi-Family
188
Businesses
890
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 1978
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40353, Mount Sterling, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,016 (100%) |
| Owner Occupied HU | 5,961 (59.5%) |
| Renter Occupied HU | 3,264 (32.6%) |
| Vacant Housing Units | 791 ( 7.9%) |
| Median Home Value | $190,101 |
| Average Home Value | $242,793 |
Housing Distribution
Address Breakdown
Residential
9,390
Single Family
9,202
Multi-Family
188
Businesses
890
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert Coburn • Kentucky Realty Group, LLC
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #24018462
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.