4961 State Route 780ClintonKY42031
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 4961 State Route 780, Clinton, KY, 42031 in Clinton at $339,000, 5.05% gross yield, is a market-growth asset. Rental yield 5.05%. The $1,426/mo rent partially funds the $1,524/mo debt service; the core return is the 5%/yr price growth projected to add $93,659 over five years. Ziffy Mortgage's DSCR mortgage (0.94) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $87,463.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 9.0% |
| Monthly Cash Flow | $(638) | $850 |
City averages based on Clinton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,426 |
| Total Monthly Debt Service | $1,928 |
| DSCR Ratio | 0.74x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1892
2.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42031, Clinton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,601 (100%) |
| Owner Occupied HU | 1,082 (67.6%) |
| Renter Occupied HU | 340 (21.2%) |
| Vacant Housing Units | 179 (11.2%) |
| Median Home Value | $144,912 |
| Average Home Value | $198,057 |
Housing Distribution
Address Breakdown
Residential
1,326
Single Family
1,326
Multi-Family
0
Businesses
131
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 1892
2.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42031, Clinton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,601 (100%) |
| Owner Occupied HU | 1,082 (67.6%) |
| Renter Occupied HU | 340 (21.2%) |
| Vacant Housing Units | 179 (11.2%) |
| Median Home Value | $144,912 |
| Average Home Value | $198,057 |
Housing Distribution
Address Breakdown
Residential
1,326
Single Family
1,326
Multi-Family
0
Businesses
131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices