757 Old Lck #21MonticelloKY42633
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 757 Old Lck #21, Monticello, KY, 42633 in Monticello the bet is firmly on appreciation. Rental yield 5.91%. The 5.91% gross yield on a $474,900 price is below income-first thresholds, but 5%/yr value growth projects $131,206 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.10) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $144,461.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 8.0% |
| Monthly Cash Flow | $(552) | $150 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,339 |
| Total Monthly Debt Service | $2,701 |
| DSCR Ratio | 0.87x |
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 1990
1.50 Acres lot
$N/A/sqft
No HOA
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 1990
1.50 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices