460 Pleasant ValleyMoreheadKY40351
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe income profile at 460 Pleasant Valley, Morehead, KY, 40351 in Morehead is straightforward: $180,000 in, $1,589/mo in rent, $493/mo out after debt service. The 10.59% gross yield and 1.96 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $49,731 by year five. With $1,658/yr in principal equity, the total cumulative return is projected at $99,979.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 7.0% |
| Monthly Cash Flow | $493 | $150 |
City averages based on Morehead market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,589 |
| Total Monthly Debt Service | $1,024 |
| DSCR Ratio | 1.55x |
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
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40351, Morehead, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,508 (100%) |
| Owner Occupied HU | 5,462 (57.4%) |
| Renter Occupied HU | 2,805 (29.5%) |
| Vacant Housing Units | 1,241 (13.1%) |
| Median Home Value | $209,239 |
| Average Home Value | $227,488 |
Housing Distribution
Address Breakdown
Residential
8,950
Single Family
8,839
Multi-Family
111
Businesses
795
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
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40351, Morehead, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,508 (100%) |
| Owner Occupied HU | 5,462 (57.4%) |
| Renter Occupied HU | 2,805 (29.5%) |
| Vacant Housing Units | 1,241 (13.1%) |
| Median Home Value | $209,239 |
| Average Home Value | $227,488 |
Housing Distribution
Address Breakdown
Residential
8,950
Single Family
8,839
Multi-Family
111
Businesses
795
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices