641 Webster Spradlin RdMonticelloKY42633
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 641 Webster Spradlin Rd, Monticello, KY, 42633 in Monticello, $165,000, 8.01% gross yield, $97/mo net income. Consider it a market-entry position, the $1,102/mo rent covers the $742/mo payment with a margin, and 5%/yr appreciation is projected to add $45,586 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.49) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $68,822.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 8.0% |
| Monthly Cash Flow | $97 | $150 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,102 |
| Total Monthly Debt Service | $939 |
| DSCR Ratio | 1.17x |
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 1994
0.60 Acres lot
$N/A/sqft
No HOA
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
0.60 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Denver Eaton • Re/Max Country Lakes
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25008061
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