825 S 28th StMiddlesboroKY40965
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 825 S 28th St, Middlesboro, KY, 40965 in Middlesboro worth study. Rental yield 4.36%. The 4.36% gross yield is below cash-flow benchmarks at $269,900, but 5% annual appreciation, adding $74,568 over five years, frames this as a capital growth position. Rent of $980/mo partially offsets the $1,214/mo payment. Ziffy Mortgage finances appreciation-play properties (0.81 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $59,600.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 8.5% |
| Monthly Cash Flow | $(662) | $300 |
City averages based on Middlesboro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $980 |
| Total Monthly Debt Service | $1,535 |
| DSCR Ratio | 0.64x |
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 2004
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40965, Middlesboro, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,051 (100%) |
| Owner Occupied HU | 2,896 (47.9%) |
| Renter Occupied HU | 2,268 (37.5%) |
| Vacant Housing Units | 887 (14.7%) |
| Median Home Value | $97,436 |
| Average Home Value | $152,081 |
Housing Distribution
Address Breakdown
Residential
5,459
Single Family
5,458
Multi-Family
1
Businesses
656
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 2004
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40965, Middlesboro, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,051 (100%) |
| Owner Occupied HU | 2,896 (47.9%) |
| Renter Occupied HU | 2,268 (37.5%) |
| Vacant Housing Units | 887 (14.7%) |
| Median Home Value | $97,436 |
| Average Home Value | $152,081 |
Housing Distribution
Address Breakdown
Residential
5,459
Single Family
5,458
Multi-Family
1
Businesses
656
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kevin Bisceglia • Coldwell Banker Bisceglia Realty & Auction Co
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25008033
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.