522 N Main StHarlanKY40831
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 522 N Main St, Harlan, KY, 40831 in Harlan speaks for itself: 10.12% gross on a $392,000 price, generating $3,307/mo in rent and $921/mo in net income after the $1,858/mo debt service. DSCR 1.78, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,057 stacks alongside $108,302 in projected five-year appreciation and $3,286/yr in principal reduction. Projected total cumulative return: $200,406.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 7.2% |
| Monthly Cash Flow | $921 | $400 |
City averages based on Harlan market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,307 |
| Total Monthly Debt Service | $2,325 |
| DSCR Ratio | 1.42x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1930
1.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40831, Harlan, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,708 (100%) |
| Owner Occupied HU | 1,417 (52.3%) |
| Renter Occupied HU | 967 (35.7%) |
| Vacant Housing Units | 324 (12.0%) |
| Median Home Value | $155,653 |
| Average Home Value | $177,576 |
Housing Distribution
Address Breakdown
Residential
2,021
Single Family
1,945
Multi-Family
76
Businesses
436
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
