6226 Clark Station RdFinchvilleKY40022
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingRental yield 6.07%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $182,318, and $6,078/yr in principal equity projects total return of $206,314.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 8.5% |
| Monthly Cash Flow | $(678) | $420 |
City averages based on Finchville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,338 |
| Total Monthly Debt Service | $3,754 |
| DSCR Ratio | 0.89x |
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 1994
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40022, Finchville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 461 (100%) |
| Owner Occupied HU | 398 (86.3%) |
| Renter Occupied HU | 46 ( 10.0%) |
| Vacant Housing Units | 17 ( 3.7%) |
| Median Home Value | $460,177 |
| Average Home Value | $579,950 |
Housing Distribution
Address Breakdown
Residential
387
Single Family
387
Multi-Family
0
Businesses
24
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 1994
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40022, Finchville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 461 (100%) |
| Owner Occupied HU | 398 (86.3%) |
| Renter Occupied HU | 46 ( 10.0%) |
| Vacant Housing Units | 17 ( 3.7%) |
| Median Home Value | $460,177 |
| Average Home Value | $579,950 |
Housing Distribution
Address Breakdown
Residential
387
Single Family
387
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dawn Perry • Torrey Smith Realty Co., LLC
Mls Name: GLARMLS
Mls ID: #1697913