5200 Bastin Creek RdKings MountainKY40442
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 5200 Bastin Creek Rd, Kings Mountain, KY, 40442 in Kings Mountain fits: $470,000, 4.09% gross yield, and a projected 5% annual appreciation rate adding $129,852 in value within five years. Rental yield 4.09%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.76) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,329/yr in principal paydown and $129,852 in appreciation project a total return of $97,036.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 5.8% |
| Monthly Cash Flow | $(1,258) | $350 |
City averages based on Kings Mountain market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,602 |
| Total Monthly Debt Service | $2,673 |
| DSCR Ratio | 0.60x |
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 1980
43.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40442, Kings Mountain, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 581 (100%) |
| Owner Occupied HU | 392 (67.5%) |
| Renter Occupied HU | 93 (16.0%) |
| Vacant Housing Units | 96 (16.5%) |
| Median Home Value | $129,167 |
| Average Home Value | $157,494 |
Housing Distribution
Address Breakdown
Residential
490
Single Family
490
Multi-Family
0
Businesses
10
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 1980
43.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40442, Kings Mountain, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 581 (100%) |
| Owner Occupied HU | 392 (67.5%) |
| Renter Occupied HU | 93 (16.0%) |
| Vacant Housing Units | 96 (16.5%) |
| Median Home Value | $129,167 |
| Average Home Value | $157,494 |
Housing Distribution
Address Breakdown
Residential
490
Single Family
490
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices