4635 State Route 70 WCentral CityKY42330
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 4635 State Route 70 W, Central City, KY, 42330 in Central City is narrow, $76/mo net on $1,171/mo rent after the $853/mo debt service, but the property operates at break-even-plus, not a loss. At $179,900 with a 7.81% yield, the long-run equity case via 5% appreciation ($49,703 over five years) and $1,508/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.37 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $69,651.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.0% |
| Monthly Cash Flow | $76 | $500 |
City averages based on Central City 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 | $1,171 |
| Total Monthly Debt Service | $1,067 |
| DSCR Ratio | 1.10x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1986
2.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42330, Central City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,988 (100%) |
| Owner Occupied HU | 2,487 (62.4%) |
| Renter Occupied HU | 1,072 (26.9%) |
| Vacant Housing Units | 429 (10.8%) |
| Median Home Value | $141,516 |
| Average Home Value | $184,295 |
Housing Distribution
Address Breakdown
Residential
3,680
Single Family
3,641
Multi-Family
39
Businesses
323
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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
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Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MHCBOR
Mls ID: #122355
