577 S Lucas StJunction CityKY40440
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow577 S Lucas St, Junction City, KY, 40440 in Junction City is a top-tier cash-flow asset. At $199,000 it produces $1,931/mo in rent and $720/mo in net monthly income, a 11.64% gross rental yield. The DSCR of 2.16 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,636. Five-year appreciation adds $54,980, driving a total cumulative return of $121,698.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 8.0% |
| Monthly Cash Flow | $720 | $900 |
City averages based on Junction City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,931 |
| Total Monthly Debt Service | $1,132 |
| DSCR Ratio | 1.71x |
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 2001
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40440, Junction City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 985 (100%) |
| Owner Occupied HU | 647 (65.7%) |
| Renter Occupied HU | 262 (26.6%) |
| Vacant Housing Units | 76 ( 7.7%) |
| Median Home Value | $145,139 |
| Average Home Value | $182,628 |
Housing Distribution
Address Breakdown
Residential
867
Single Family
867
Multi-Family
0
Businesses
47
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 2001
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40440, Junction City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 985 (100%) |
| Owner Occupied HU | 647 (65.7%) |
| Renter Occupied HU | 262 (26.6%) |
| Vacant Housing Units | 76 ( 7.7%) |
| Median Home Value | $145,139 |
| Average Home Value | $182,628 |
Housing Distribution
Address Breakdown
Residential
867
Single Family
867
Multi-Family
0
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dustin Sparrow • ERA Select Real Estate
Mls Name: Imagine MLS
Mls ID: #26000468