495 Pooles Creek RdCold SpringKY41076
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 495 Pooles Creek Rd, Cold Spring, KY, 41076 in Cold Spring is narrow, $173/mo net on $1,968/mo rent after the $1,326/mo debt service, but the property operates at break-even-plus, not a loss. At $294,900 with a 8.01% yield, the long-run equity case via 5% appreciation ($81,475 over five years) and $2,716/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.48 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $122,853.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 8.0% |
| Monthly Cash Flow | $173 | $220 |
City averages based on Cold Spring market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,968 |
| Total Monthly Debt Service | $1,677 |
| DSCR Ratio | 1.17x |
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 1974
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41076, Newport, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,771 (100%) |
| Owner Occupied HU | 5,539 (71.3%) |
| Renter Occupied HU | 1,911 (24.6%) |
| Vacant Housing Units | 321 ( 4.1%) |
| Median Home Value | $275,264 |
| Average Home Value | $293,103 |
Housing Distribution
Address Breakdown
Residential
7,486
Single Family
5,195
Multi-Family
2,291
Businesses
480
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 1974
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41076, Newport, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,771 (100%) |
| Owner Occupied HU | 5,539 (71.3%) |
| Renter Occupied HU | 1,911 (24.6%) |
| Vacant Housing Units | 321 ( 4.1%) |
| Median Home Value | $275,264 |
| Average Home Value | $293,103 |
Housing Distribution
Address Breakdown
Residential
7,486
Single Family
5,195
Multi-Family
2,291
Businesses
480
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Brandenburg • Huff Realty - Florence
Mls Name: NKMLS
Mls ID: #639345