497 E Main StCarlisleKY40311
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 497 E Main St, Carlisle, KY, 40311 in Carlisle speaks for itself: 12.44% gross on a $149,000 price, generating $1,544/mo in rent and $638/mo in net income after the $670/mo debt service. DSCR 2.30, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,651 stacks alongside $41,166 in projected five-year appreciation and $1,372/yr in principal reduction. Projected total cumulative return: $97,468.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 7.0% |
| Monthly Cash Flow | $638 | $450 |
City averages based on Carlisle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,544 |
| Total Monthly Debt Service | $848 |
| DSCR Ratio | 1.82x |
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 N/A
9,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40311, Carlisle, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,252 (100%) |
| Owner Occupied HU | 2,075 (63.8%) |
| Renter Occupied HU | 805 (24.8%) |
| Vacant Housing Units | 372 (11.4%) |
| Median Home Value | $135,547 |
| Average Home Value | $172,790 |
Housing Distribution
Address Breakdown
Residential
2,971
Single Family
2,925
Multi-Family
46
Businesses
135
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 N/A
9,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40311, Carlisle, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,252 (100%) |
| Owner Occupied HU | 2,075 (63.8%) |
| Renter Occupied HU | 805 (24.8%) |
| Vacant Housing Units | 372 (11.4%) |
| Median Home Value | $135,547 |
| Average Home Value | $172,790 |
Housing Distribution
Address Breakdown
Residential
2,971
Single Family
2,925
Multi-Family
46
Businesses
135
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices