478 Willisburg RdChaplinKY40012
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 478 Willisburg Rd, Chaplin, KY, 40012 in Chaplin delivers $1,214/mo in gross rent and $272/mo in net monthly income at a $154,900 entry. The 9.41% yield and 1.74 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $42,796 over five years and $1,427/yr in equity from loan paydown, total projected return is $76,113.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $272 | $850 |
City averages based on Chaplin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,214 |
| Total Monthly Debt Service | $881 |
| DSCR Ratio | 1.38x |
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.
Manufactured
Built in 1987
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40012, Chaplin, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 269 (100%) |
| Owner Occupied HU | 194 (72.1%) |
| Renter Occupied HU | 43 (16.0%) |
| Vacant Housing Units | 32 (11.9%) |
| Median Home Value | $277,778 |
| Average Home Value | $297,062 |
Housing Distribution
Address Breakdown
Residential
235
Single Family
235
Multi-Family
0
Businesses
18
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
Manufactured
Built in 1987
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40012, Chaplin, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 269 (100%) |
| Owner Occupied HU | 194 (72.1%) |
| Renter Occupied HU | 43 (16.0%) |
| Vacant Housing Units | 32 (11.9%) |
| Median Home Value | $277,778 |
| Average Home Value | $297,062 |
Housing Distribution
Address Breakdown
Residential
235
Single Family
235
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices