691 State Route 825HagerhillKY41222
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 691 State Route 825, Hagerhill, KY, 41222 in Hagerhill at $195,000 earns $1,330/mo in rent and nets $143/mo after the $877/mo payment, a 8.18% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $53,875 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $1,796/yr in principal paydown, total projected return reaches $83,089.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.0% |
| Monthly Cash Flow | $143 | $400 |
City averages based on Hagerhill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,330 |
| Total Monthly Debt Service | $1,109 |
| DSCR Ratio | 1.20x |
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 1947
1.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41222, Hagerhill, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,256 (100%) |
| Owner Occupied HU | 862 (68.6%) |
| Renter Occupied HU | 282 (22.5%) |
| Vacant Housing Units | 112 ( 8.9%) |
| Median Home Value | $172,083 |
| Average Home Value | $170,493 |
Housing Distribution
Address Breakdown
Residential
847
Single Family
847
Multi-Family
0
Businesses
50
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 1947
1.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41222, Hagerhill, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,256 (100%) |
| Owner Occupied HU | 862 (68.6%) |
| Renter Occupied HU | 282 (22.5%) |
| Vacant Housing Units | 112 ( 8.9%) |
| Median Home Value | $172,083 |
| Average Home Value | $170,493 |
Housing Distribution
Address Breakdown
Residential
847
Single Family
847
Multi-Family
0
Businesses
50
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gene Pack • First Choice Realty & Assoc.
Mls Name: Eastern Kentucky AOR
Mls Provider:
Mls ID: #124746
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.