7860 State Route 1529 EWater ValleyKY42085
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 7860 State Route 1529 E, Water Valley, KY, 42085 in Water Valley: $1,092/mo in rent, $247/mo in net income, 9.43% gross yield, 1.75 DSCR, all at $138,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $38,376 in appreciation and $1,279/yr in principal paydown projects total cumulative return of $68,483.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $247 | $140 |
City averages based on Water Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,092 |
| Total Monthly Debt Service | $790 |
| DSCR Ratio | 1.38x |
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 1955
3 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 1955
3 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: undefined
Mls ID: #N/A