6130 State Route 54 WWhitesvilleKY42378
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Whitesville at 6130 State Route 54 W, Whitesville, KY, 42378 projects strong ROI of 3.63%. Rental yield 1.93%. With 5% annual appreciation, the property builds $663,076 in value over five years. Equity growth combined delivers a projected five-year ROI of 32.05%, translating into $217,305 in total cumulative return on $678,000 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 6.5% |
| Monthly Cash Flow | $(10,748) | $350 |
City averages based on Whitesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,859 |
| Total Monthly Debt Service | $13,652 |
| DSCR Ratio | 0.28x |
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 2010
159.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42378, Whitesville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,227 (100%) |
| Owner Occupied HU | 989 (80.6%) |
| Renter Occupied HU | 170 (13.9%) |
| Vacant Housing Units | 68 ( 5.5%) |
| Median Home Value | $204,252 |
| Average Home Value | $238,734 |
Housing Distribution
Address Breakdown
Residential
1,322
Single Family
1,322
Multi-Family
0
Businesses
49
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 2010
159.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42378, Whitesville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,227 (100%) |
| Owner Occupied HU | 989 (80.6%) |
| Renter Occupied HU | 170 (13.9%) |
| Vacant Housing Units | 68 ( 5.5%) |
| Median Home Value | $204,252 |
| Average Home Value | $238,734 |
Housing Distribution
Address Breakdown
Residential
1,322
Single Family
1,322
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Iryna Tincher • Triple Crown Realty Group
Mls Name: Greater Owensboro Realtor Association
Mls Provider:
Mls ID: #93313
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.