85 McCall LnMount VernonKY40456
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 85 McCall Ln, Mount Vernon, KY, 40456 in Mount Vernon fits: $569,000, 4.46% gross yield, and a projected 5% annual appreciation rate adding $157,204 in value within five years. Rental yield 4.46%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.83) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,241/yr in principal paydown and $157,204 in appreciation project a total return of $128,597.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.8% |
| Monthly Cash Flow | $(1,350) | $850 |
City averages based on Mount Vernon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,113 |
| Total Monthly Debt Service | $3,237 |
| DSCR Ratio | 0.65x |
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 2005
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40456, Mount Vernon, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,237 (100%) |
| Owner Occupied HU | 2,859 (67.5%) |
| Renter Occupied HU | 939 (22.2%) |
| Vacant Housing Units | 439 (10.4%) |
| Median Home Value | $140,961 |
| Average Home Value | $190,641 |
Housing Distribution
Address Breakdown
Residential
3,656
Single Family
3,656
Multi-Family
0
Businesses
274
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 2005
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40456, Mount Vernon, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,237 (100%) |
| Owner Occupied HU | 2,859 (67.5%) |
| Renter Occupied HU | 939 (22.2%) |
| Vacant Housing Units | 439 (10.4%) |
| Median Home Value | $140,961 |
| Average Home Value | $190,641 |
Housing Distribution
Address Breakdown
Residential
3,656
Single Family
3,656
Multi-Family
0
Businesses
274
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alan Hammond • Weichert Realtors - Ford Brothers
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25013136
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.