414-416 Darley CrkMount SterlingKY40353
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 414-416 Darley Crk, Mount Sterling, KY, 40353 in Mount Sterling the bet is firmly on appreciation. Rental yield 5.24%. The 5.24% gross yield on a $247,500 price is below income-first thresholds, but 5%/yr value growth projects $68,380 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.97) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $66,345.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.5% |
| Monthly Cash Flow | $(426) | $450 |
City averages based on Mount Sterling market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,080 |
| Total Monthly Debt Service | $1,408 |
| DSCR Ratio | 0.77x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1998
0.32 Acres 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
Multi Family
Built in 1998
0.32 Acres 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: Jonathan Wood • HomeLand Real Estate Inc - Mt Sterling
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25010518
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.