4758 Cloverlick RdCumberlandKY40823
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4758 Cloverlick Rd, Cumberland, KY, 40823 in Cumberland. Priced at $217,000, it generates $2,753/mo in gross rent and $1,432/mo in net monthly cash flow, a 15.22% yield that comfortably supports the 2.82 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $17,185. Five-year appreciation: $59,953. Equity from principal paydown: $1,999/yr. Total projected cumulative return: $174,361.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.2% | 7.0% |
| Monthly Cash Flow | $1,432 | $300 |
City averages based on Cumberland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,753 |
| Total Monthly Debt Service | $1,234 |
| DSCR Ratio | 2.23x |
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 1983
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40823, Cumberland, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,125 (100%) |
| Owner Occupied HU | 1,129 (53.1%) |
| Renter Occupied HU | 615 (28.9%) |
| Vacant Housing Units | 381 (17.9%) |
| Median Home Value | $82,778 |
| Average Home Value | $123,638 |
Housing Distribution
Address Breakdown
Residential
1,422
Single Family
1,422
Multi-Family
0
Businesses
105
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 1983
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40823, Cumberland, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,125 (100%) |
| Owner Occupied HU | 1,129 (53.1%) |
| Renter Occupied HU | 615 (28.9%) |
| Vacant Housing Units | 381 (17.9%) |
| Median Home Value | $82,778 |
| Average Home Value | $123,638 |
Housing Distribution
Address Breakdown
Residential
1,422
Single Family
1,422
Multi-Family
0
Businesses
105
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jarrod Nunnelley • New Beginnings Real Estate LLC
Mls Name: Imagine MLS
Mls ID: #25009438