4942 Highway 219TwilaKY40873
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $180,000, 4942 Highway 219, Twila, KY, 40873 in Twila generates $1,134/mo in rent (7.56% yield) but nets only $38/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.40) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $49,731. Total projected return: $70,699.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.5% |
| Monthly Cash Flow | $38 | $250 |
City averages based on Twila market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,134 |
| Total Monthly Debt Service | $1,024 |
| DSCR Ratio | 1.11x |
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 1920
2.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40873, Wallins Creek, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,219 (100%) |
| Owner Occupied HU | 842 (69.1%) |
| Renter Occupied HU | 215 (17.6%) |
| Vacant Housing Units | 162 (13.3%) |
| Median Home Value | $78,438 |
| Average Home Value | $123,510 |
Housing Distribution
Address Breakdown
Residential
487
Single Family
487
Multi-Family
0
Businesses
14
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 1920
2.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40873, Wallins Creek, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,219 (100%) |
| Owner Occupied HU | 842 (69.1%) |
| Renter Occupied HU | 215 (17.6%) |
| Vacant Housing Units | 162 (13.3%) |
| Median Home Value | $78,438 |
| Average Home Value | $123,510 |
Housing Distribution
Address Breakdown
Residential
487
Single Family
487
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices