76 Verna DrRussellKY41169
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 76 Verna Dr, Russell, KY, 41169 in Russell. At $229,000 it earns $1,616/mo in rent and distributes $222/mo to the owner after the $1,030/mo payment, a consistent 8.47% yield. DSCR 1.57 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $63,268 in value; $2,109/yr in principal paydown compounds ownership stake. Total projected return: $101,070.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.9% |
| Monthly Cash Flow | $222 | $300 |
City averages based on Russell market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,616 |
| Total Monthly Debt Service | $1,303 |
| DSCR Ratio | 1.24x |
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 1977
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41169, Russell, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,519 (100%) |
| Owner Occupied HU | 1,681 (66.7%) |
| Renter Occupied HU | 577 (22.9%) |
| Vacant Housing Units | 261 (10.4%) |
| Median Home Value | $168,361 |
| Average Home Value | $184,164 |
Housing Distribution
Address Breakdown
Residential
2,478
Single Family
2,417
Multi-Family
61
Businesses
147
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 1977
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41169, Russell, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,519 (100%) |
| Owner Occupied HU | 1,681 (66.7%) |
| Renter Occupied HU | 577 (22.9%) |
| Vacant Housing Units | 261 (10.4%) |
| Median Home Value | $168,361 |
| Average Home Value | $184,164 |
Housing Distribution
Address Breakdown
Residential
2,478
Single Family
2,417
Multi-Family
61
Businesses
147
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices