581 Clay StBarlowKY42024
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow581 Clay St, Barlow, KY, 42024 in Barlow earns its strong cash-flow label: 12.59% yield, $1,438/mo rent, $604/mo net income, DSCR 2.33. The $137,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $37,851 by year five. Combined with $1,262/yr in principal paydown, total projected return reaches $90,767.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 7.0% |
| Monthly Cash Flow | $604 | $400 |
City averages based on Barlow market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,438 |
| Total Monthly Debt Service | $779 |
| DSCR Ratio | 1.85x |
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
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42024, Barlow, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 723 (100%) |
| Owner Occupied HU | 471 (65.1%) |
| Renter Occupied HU | 155 (21.4%) |
| Vacant Housing Units | 97 (13.4%) |
| Median Home Value | $165,878 |
| Average Home Value | $179,151 |
Housing Distribution
Address Breakdown
Residential
471
Single Family
471
Multi-Family
0
Businesses
23
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
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42024, Barlow, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 723 (100%) |
| Owner Occupied HU | 471 (65.1%) |
| Renter Occupied HU | 155 (21.4%) |
| Vacant Housing Units | 97 (13.4%) |
| Median Home Value | $165,878 |
| Average Home Value | $179,151 |
Housing Distribution
Address Breakdown
Residential
471
Single Family
471
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices