662 E 4th StRussellvilleKY42276
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 662 E 4th St, Russellville, KY, 42276 in Russellville worth study. Rental yield 5.77%. The 5.77% gross yield is below cash-flow benchmarks at $215,000, but 5% annual appreciation, adding $59,401 over five years, frames this as a capital growth position. Rent of $1,033/mo partially offsets the $967/mo payment. Ziffy Mortgage finances appreciation-play properties (1.07 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $63,688.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.5% |
| Monthly Cash Flow | $(275) | $350 |
City averages based on Russellville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,033 |
| Total Monthly Debt Service | $1,223 |
| DSCR Ratio | 0.84x |
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 1930
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42276, Russellville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,973 (100%) |
| Owner Occupied HU | 4,342 (62.3%) |
| Renter Occupied HU | 2,039 (29.2%) |
| Vacant Housing Units | 592 ( 8.5%) |
| Median Home Value | $181,106 |
| Average Home Value | $216,365 |
Housing Distribution
Address Breakdown
Residential
6,659
Single Family
6,632
Multi-Family
27
Businesses
734
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 1930
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42276, Russellville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,973 (100%) |
| Owner Occupied HU | 4,342 (62.3%) |
| Renter Occupied HU | 2,039 (29.2%) |
| Vacant Housing Units | 592 ( 8.5%) |
| Median Home Value | $181,106 |
| Average Home Value | $216,365 |
Housing Distribution
Address Breakdown
Residential
6,659
Single Family
6,632
Multi-Family
27
Businesses
734
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Masson • Keller Williams First Choice R
Mls Name: RASK
Mls ID: #RA20260029