78 White Oak LnMonticelloKY42633
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 78 White Oak Ln, Monticello, KY, 42633 in Monticello fits: $275,000, 5.53% gross yield, and a projected 5% annual appreciation rate adding $75,977 in value within five years. Rental yield 5.53%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.02) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,533/yr in principal paydown and $75,977 in appreciation project a total return of $77,991.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 8.0% |
| Monthly Cash Flow | $(410) | $150 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,267 |
| Total Monthly Debt Service | $1,564 |
| DSCR Ratio | 0.81x |
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.
Manufactured
Built in 2004
0.45 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
Manufactured
Built in 2004
0.45 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Imagine MLS
Mls ID: #26006159