85 Evans HtsJunction CityKY40440
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 85 Evans Hts, Junction City, KY, 40440 in Junction City is narrow, $158/mo net on $806/mo rent after the $478/mo debt service, but the property operates at break-even-plus, not a loss. At $106,400 with a 9.09% yield, the long-run equity case via 5% appreciation ($29,396 over five years) and $980/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $50,563.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 8.0% |
| Monthly Cash Flow | $158 | $900 |
City averages based on Junction City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $806 |
| Total Monthly Debt Service | $605 |
| DSCR Ratio | 1.33x |
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 N/A
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40440, Junction City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 985 (100%) |
| Owner Occupied HU | 647 (65.7%) |
| Renter Occupied HU | 262 (26.6%) |
| Vacant Housing Units | 76 ( 7.7%) |
| Median Home Value | $145,139 |
| Average Home Value | $182,628 |
Housing Distribution
Address Breakdown
Residential
867
Single Family
867
Multi-Family
0
Businesses
47
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 N/A
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40440, Junction City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 985 (100%) |
| Owner Occupied HU | 647 (65.7%) |
| Renter Occupied HU | 262 (26.6%) |
| Vacant Housing Units | 76 ( 7.7%) |
| Median Home Value | $145,139 |
| Average Home Value | $182,628 |
Housing Distribution
Address Breakdown
Residential
867
Single Family
867
Multi-Family
0
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Slava Furs • 85W Real Estate
Mls Name: Imagine MLS
Mls ID: #25502418