6810 State Highway 194 EKimperKY41539
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 6810 State Highway 194 E, Kimper, KY, 41539 in Kimper at $199,900 earns $1,332/mo in rent and nets $115/mo after the $899/mo payment, a 8% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $55,229 over five years. Ziffy Mortgage underwrites this on a 1.48 DSCR without U.S. credit history. With $1,841/yr in principal paydown, total projected return reaches $83,150.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $115 | $120 |
City averages based on Kimper market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,332 |
| Total Monthly Debt Service | $1,137 |
| 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 2016
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41539, Kimper, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 920 (100%) |
| Owner Occupied HU | 656 (71.3%) |
| Renter Occupied HU | 172 (18.7%) |
| Vacant Housing Units | 92 ( 10.0%) |
| Median Home Value | $88,148 |
| Average Home Value | $140,080 |
Housing Distribution
Address Breakdown
Residential
698
Single Family
698
Multi-Family
0
Businesses
11
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 2016
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41539, Kimper, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 920 (100%) |
| Owner Occupied HU | 656 (71.3%) |
| Renter Occupied HU | 172 (18.7%) |
| Vacant Housing Units | 92 ( 10.0%) |
| Median Home Value | $88,148 |
| Average Home Value | $140,080 |
Housing Distribution
Address Breakdown
Residential
698
Single Family
698
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices