769 Mount Pleasant RdOwingsvilleKY40360
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 769 Mount Pleasant Rd, Owingsville, KY, 40360 in Owingsville worth study. Rental yield 4.51%. The 4.51% gross yield is below cash-flow benchmarks at $350,000, but 5% annual appreciation, adding $96,699 over five years, frames this as a capital growth position. Rent of $1,316/mo partially offsets the $1,574/mo payment. Ziffy Mortgage finances appreciation-play properties (0.84 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $80,155.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 8.5% |
| Monthly Cash Flow | $(814) | $350 |
City averages based on Owingsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,316 |
| Total Monthly Debt Service | $1,991 |
| DSCR Ratio | 0.66x |
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 1945
38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40360, Owingsville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,167 (100%) |
| Owner Occupied HU | 2,081 (65.7%) |
| Renter Occupied HU | 785 (24.8%) |
| Vacant Housing Units | 301 ( 9.5%) |
| Median Home Value | $119,821 |
| Average Home Value | $142,007 |
Housing Distribution
Address Breakdown
Residential
2,653
Single Family
2,653
Multi-Family
0
Businesses
161
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 1945
38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40360, Owingsville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,167 (100%) |
| Owner Occupied HU | 2,081 (65.7%) |
| Renter Occupied HU | 785 (24.8%) |
| Vacant Housing Units | 301 ( 9.5%) |
| Median Home Value | $119,821 |
| Average Home Value | $142,007 |
Housing Distribution
Address Breakdown
Residential
2,653
Single Family
2,653
Multi-Family
0
Businesses
161
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ty Stewart • Land & Lifestyle Realty
Mls Name: United Country
Mls ID: #16015-695165