7427 State Route 1529 EWater ValleyKY42085
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 7427 State Route 1529 E, Water Valley, KY, 42085 in Water Valley is listed at $129,000 and delivers $1,027/mo in rent and $242/mo in net monthly cash flow. The 9.56% yield and 1.77 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $35,640 over five years, and $1,188/yr in principal reduction supplements cash return. Total projected cumulative return: $64,476.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.5% |
| Monthly Cash Flow | $242 | $140 |
City averages based on Water Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,027 |
| Total Monthly Debt Service | $734 |
| DSCR Ratio | 1.40x |
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 1952
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42085, Water Valley, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 362 (100%) |
| Owner Occupied HU | 249 (68.8%) |
| Renter Occupied HU | 55 (15.2%) |
| Vacant Housing Units | 58 (16.0%) |
| Median Home Value | $107,500 |
| Average Home Value | $161,546 |
Housing Distribution
Address Breakdown
Residential
356
Single Family
356
Multi-Family
0
Businesses
10
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 1952
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42085, Water Valley, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 362 (100%) |
| Owner Occupied HU | 249 (68.8%) |
| Renter Occupied HU | 55 (15.2%) |
| Vacant Housing Units | 58 (16.0%) |
| Median Home Value | $107,500 |
| Average Home Value | $161,546 |
Housing Distribution
Address Breakdown
Residential
356
Single Family
356
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: WKRMLS
Mls ID: #136222