456 Arnetts Fork RdBig CreekKY40914
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 456 Arnetts Fork Rd, Big Creek, KY, 40914 in Big Creek: $1,421/mo in rent, $265/mo in net income, 8.98% gross yield, 1.66 DSCR, all at $189,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $52,466 in appreciation and $1,749/yr in principal paydown projects total cumulative return of $88,998.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 7.0% |
| Monthly Cash Flow | $265 | $450 |
City averages based on Big Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,421 |
| Total Monthly Debt Service | $1,080 |
| DSCR Ratio | 1.32x |
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 1963
30.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40914, Big Creek, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 307 (100%) |
| Owner Occupied HU | 205 (66.8%) |
| Renter Occupied HU | 59 (19.2%) |
| Vacant Housing Units | 43 (14.0%) |
| Median Home Value | $54,583 |
| Average Home Value | $64,598 |
Housing Distribution
Address Breakdown
Residential
205
Single Family
205
Multi-Family
0
Businesses
11
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 1963
30.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40914, Big Creek, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 307 (100%) |
| Owner Occupied HU | 205 (66.8%) |
| Renter Occupied HU | 59 (19.2%) |
| Vacant Housing Units | 43 (14.0%) |
| Median Home Value | $54,583 |
| Average Home Value | $64,598 |
Housing Distribution
Address Breakdown
Residential
205
Single Family
205
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices