4122 State Route 81Central CityKY42330
INVESTMENT ANALYSIS
Investment Verdict
Solid Income4122 State Route 81, Central City, KY, 42330 in Central City is a solid income-producing rental, 9.56% gross yield, $1,433/mo rent, $338/mo net cash flow on a $179,900 buy. DSCR 1.68 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $49,703 and $1,508/yr in principal reduction project a total cumulative return of $86,511.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.0% |
| Monthly Cash Flow | $338 | $500 |
City averages based on Central City market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,433 |
| Total Monthly Debt Service | $1,067 |
| 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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1988
0.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42330, Central City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,988 (100%) |
| Owner Occupied HU | 2,487 (62.4%) |
| Renter Occupied HU | 1,072 (26.9%) |
| Vacant Housing Units | 429 (10.8%) |
| Median Home Value | $141,516 |
| Average Home Value | $184,295 |
Housing Distribution
Address Breakdown
Residential
3,680
Single Family
3,641
Multi-Family
39
Businesses
323
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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
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Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MHCBOR
Mls ID: #122262
