661 Lanny Heath RdUptonKY42784
INVESTMENT ANALYSIS
Investment Verdict
Solid Income661 Lanny Heath Rd, Upton, KY, 42784 in Upton is a solid income-producing rental, 9.34% gross yield, $1,088/mo rent, $237/mo net cash flow on a $139,900 buy. DSCR 1.73 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $38,652 and $1,288/yr in principal reduction project a total cumulative return of $68,248.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 5.8% |
| Monthly Cash Flow | $237 | $350 |
City averages based on Upton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,088 |
| Total Monthly Debt Service | $796 |
| DSCR Ratio | 1.37x |
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 2018
6.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42784, Upton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,256 (100%) |
| Owner Occupied HU | 900 (71.7%) |
| Renter Occupied HU | 237 (18.9%) |
| Vacant Housing Units | 119 ( 9.5%) |
| Median Home Value | $193,651 |
| Average Home Value | $256,208 |
Housing Distribution
Address Breakdown
Residential
1,127
Single Family
1,127
Multi-Family
0
Businesses
44
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 2018
6.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42784, Upton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,256 (100%) |
| Owner Occupied HU | 900 (71.7%) |
| Renter Occupied HU | 237 (18.9%) |
| Vacant Housing Units | 119 ( 9.5%) |
| Median Home Value | $193,651 |
| Average Home Value | $256,208 |
Housing Distribution
Address Breakdown
Residential
1,127
Single Family
1,127
Multi-Family
0
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Hannah Garcia • River Brook Realty LLC
Mls Name: HKMLS
Mls Provider:
Mls ID: #HK25003942
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.