422 Wilderness RdMiddlesboroKY40965
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 422 Wilderness Rd, Middlesboro, KY, 40965 in Middlesboro: $1,423/mo in rent, $605/mo net, 12.7% gross yield, all on a $134,500 acquisition. The 2.35 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $37,160 in value, and $1,239/yr in principal paydown steadily builds equity. Projected total cumulative return: $89,838.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.7% | 8.5% |
| Monthly Cash Flow | $605 | $300 |
City averages based on Middlesboro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,423 |
| Total Monthly Debt Service | $765 |
| DSCR Ratio | 1.86x |
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 N/A
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40965, Middlesboro, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,051 (100%) |
| Owner Occupied HU | 2,896 (47.9%) |
| Renter Occupied HU | 2,268 (37.5%) |
| Vacant Housing Units | 887 (14.7%) |
| Median Home Value | $97,436 |
| Average Home Value | $152,081 |
Housing Distribution
Address Breakdown
Residential
5,459
Single Family
5,458
Multi-Family
1
Businesses
656
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 N/A
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40965, Middlesboro, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,051 (100%) |
| Owner Occupied HU | 2,896 (47.9%) |
| Renter Occupied HU | 2,268 (37.5%) |
| Vacant Housing Units | 887 (14.7%) |
| Median Home Value | $97,436 |
| Average Home Value | $152,081 |
Housing Distribution
Address Breakdown
Residential
5,459
Single Family
5,458
Multi-Family
1
Businesses
656
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Megan Stanaford • Black Diamond Realty
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25009132
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.