8481 Highway 1546MonticelloKY42633
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 8481 Highway 1546, Monticello, KY, 42633 in Monticello is narrow, $58/mo net on $1,670/mo rent after the $1,192/mo debt service, but the property operates at break-even-plus, not a loss. At $265,000 with a 7.56% yield, the long-run equity case via 5% appreciation ($73,215 over five years) and $2,441/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $104,059.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 8.0% |
| Monthly Cash Flow | $58 | $150 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,670 |
| Total Monthly Debt Service | $1,507 |
| DSCR Ratio | 1.11x |
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 1987
0.65 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
Single Family
Built in 1987
0.65 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karen Scalf • Weichert Realtors Ford Brothers, Inc.
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25018386
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.