5044 Ed Foster RdPhilpotKY42366
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play5044 Ed Foster Rd, Philpot, KY, 42366 in Philpot is priced for appreciation, not yield. Rental yield 5.93%. At $515,000 with a 5.93% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $142,285 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.10) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $157,209.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 9.0% |
| Monthly Cash Flow | $(588) | $150 |
City averages based on Philpot market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,546 |
| Total Monthly Debt Service | $2,929 |
| DSCR Ratio | 0.87x |
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 1986
10.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42366, Philpot, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,390 (100%) |
| Owner Occupied HU | 2,096 (87.7%) |
| Renter Occupied HU | 177 ( 7.4%) |
| Vacant Housing Units | 117 ( 4.9%) |
| Median Home Value | $281,381 |
| Average Home Value | $298,740 |
Housing Distribution
Address Breakdown
Residential
2,370
Single Family
2,370
Multi-Family
0
Businesses
68
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 1986
10.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42366, Philpot, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,390 (100%) |
| Owner Occupied HU | 2,096 (87.7%) |
| Renter Occupied HU | 177 ( 7.4%) |
| Vacant Housing Units | 117 ( 4.9%) |
| Median Home Value | $281,381 |
| Average Home Value | $298,740 |
Housing Distribution
Address Breakdown
Residential
2,370
Single Family
2,370
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices