6460 Stevens School RdWhitesvilleKY42378
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingThere's a case for owning boring assets in strong markets. Rental yield 6.42%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $120,155 and $4,005/yr in equity build project total return of $144,046.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.5% |
| Monthly Cash Flow | $(321) | $350 |
City averages based on Whitesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,326 |
| Total Monthly Debt Service | $2,474 |
| DSCR Ratio | 0.94x |
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 2024
1.04 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 2024
1.04 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: Belinda Hurst • HANCOCK REAL ESTATE and AUCTION INC
Mls Name: Greater Owensboro Realtor Association
Mls ID: #94081