688 Swift RdKirkseyKY42054
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow688 Swift Rd, Kirksey, KY, 42054 in Kirksey is a top-tier cash-flow asset. At $220,000 it produces $2,158/mo in rent and $819/mo in net monthly income, a 11.77% gross rental yield. The DSCR of 2.18 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $9,824. Five-year appreciation adds $60,782, driving a total cumulative return of $136,058.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $819 | $350 |
City averages based on Kirksey market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,158 |
| Total Monthly Debt Service | $1,251 |
| DSCR Ratio | 1.72x |
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 1969
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42054, Kirksey, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 412 (75.7%) |
| Renter Occupied HU | 66 (12.1%) |
| Vacant Housing Units | 66 (12.1%) |
| Median Home Value | $173,750 |
| Average Home Value | $227,063 |
Housing Distribution
Address Breakdown
Residential
421
Single Family
421
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 1969
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42054, Kirksey, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 412 (75.7%) |
| Renter Occupied HU | 66 (12.1%) |
| Vacant Housing Units | 66 (12.1%) |
| Median Home Value | $173,750 |
| Average Home Value | $227,063 |
Housing Distribution
Address Breakdown
Residential
421
Single Family
421
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberly Ann Clapp • The Jeter Group
Mls Name: WKRMLS
Mls ID: #131629
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.