4495 State Route 339 WWingoKY42088
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.84% yield at 4495 State Route 339 W, Wingo, KY, 42088 in Wingo is solid, but the $953/mo payment compresses net cash flow to $95/mo at $212,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $58,572 by year five, and $1,953/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.45) without U.S. income documentation. Total projected return: $86,439.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $95 | $400 |
City averages based on Wingo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,385 |
| Total Monthly Debt Service | $1,206 |
| DSCR Ratio | 1.15x |
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 1993
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42088, Wingo, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,126 (100%) |
| Owner Occupied HU | 821 (72.9%) |
| Renter Occupied HU | 176 (15.6%) |
| Vacant Housing Units | 129 (11.5%) |
| Median Home Value | $128,201 |
| Average Home Value | $166,900 |
Housing Distribution
Address Breakdown
Residential
1,132
Single Family
1,120
Multi-Family
12
Businesses
31
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 1993
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42088, Wingo, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,126 (100%) |
| Owner Occupied HU | 821 (72.9%) |
| Renter Occupied HU | 176 (15.6%) |
| Vacant Housing Units | 129 (11.5%) |
| Median Home Value | $128,201 |
| Average Home Value | $166,900 |
Housing Distribution
Address Breakdown
Residential
1,132
Single Family
1,120
Multi-Family
12
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices