4471 State Highway 1247 NMonticelloKY42633
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play4471 State Highway 1247 N, Monticello, KY, 42633 in Monticello is priced for appreciation, not yield. Rental yield 4.41%. At $309,900 with a 4.41% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $85,620 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.82) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $69,339.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 8.0% |
| Monthly Cash Flow | $(746) | $150 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,140 |
| Total Monthly Debt Service | $1,763 |
| DSCR Ratio | 0.65x |
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.
Single Family
Built in 1964
1.37 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 1964
1.37 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nichole Bingham • Century 21 Advantage Realty
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25005947
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.