605 Center StCalhounKY42327
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 605 Center St, Calhoun, KY, 42327 in Calhoun delivers $1,855/mo in gross rent and $426/mo in net monthly income at a $234,900 entry. The 9.48% yield and 1.76 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $64,899 over five years and $2,163/yr in equity from loan paydown, total projected return is $116,411.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 8.0% |
| Monthly Cash Flow | $426 | $800 |
City averages based on Calhoun market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,855 |
| Total Monthly Debt Service | $1,336 |
| DSCR Ratio | 1.39x |
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 1920
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42327, Calhoun, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,806 (100%) |
| Owner Occupied HU | 1,302 (72.1%) |
| Renter Occupied HU | 311 (17.2%) |
| Vacant Housing Units | 193 (10.7%) |
| Median Home Value | $181,701 |
| Average Home Value | $205,826 |
Housing Distribution
Address Breakdown
Residential
1,724
Single Family
1,724
Multi-Family
0
Businesses
105
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 1920
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42327, Calhoun, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,806 (100%) |
| Owner Occupied HU | 1,302 (72.1%) |
| Renter Occupied HU | 311 (17.2%) |
| Vacant Housing Units | 193 (10.7%) |
| Median Home Value | $181,701 |
| Average Home Value | $205,826 |
Housing Distribution
Address Breakdown
Residential
1,724
Single Family
1,724
Multi-Family
0
Businesses
105
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices