4596 Highway 433MackvilleKY40040
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 4596 Highway 433, Mackville, KY, 40040 in Mackville offers a clean, manageable entry. Rental yield 6.62%. DSCR 1.23 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $54,980 in additional property value over five years, with $1,833/yr in principal equity building ownership stake. Total projected cumulative return: $68,070.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.0% |
| Monthly Cash Flow | $(113) | $550 |
City averages based on Mackville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,098 |
| Total Monthly Debt Service | $1,132 |
| DSCR Ratio | 0.97x |
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 1981
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40040, Mackville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 269 (100%) |
| Owner Occupied HU | 187 (69.5%) |
| Renter Occupied HU | 43 (16.0%) |
| Vacant Housing Units | 39 (14.5%) |
| Median Home Value | $216,379 |
| Average Home Value | $273,864 |
Housing Distribution
Address Breakdown
Residential
257
Single Family
257
Multi-Family
0
Businesses
6
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 1981
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40040, Mackville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 269 (100%) |
| Owner Occupied HU | 187 (69.5%) |
| Renter Occupied HU | 43 (16.0%) |
| Vacant Housing Units | 39 (14.5%) |
| Median Home Value | $216,379 |
| Average Home Value | $273,864 |
Housing Distribution
Address Breakdown
Residential
257
Single Family
257
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices