8758 Creekstone LnAlvatonKY42122
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 8758 Creekstone Ln, Alvaton, KY, 42122 in Alvaton is narrow, $28/mo net on $3,314/mo rent after the $2,428/mo debt service, but the property operates at break-even-plus, not a loss. At $539,900 with a 7.37% yield, the long-run equity case via 5% appreciation ($149,164 over five years) and $4,973/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.36 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $206,281.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.5% |
| Monthly Cash Flow | $28 | $350 |
City averages based on Alvaton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,314 |
| Total Monthly Debt Service | $3,071 |
| DSCR Ratio | 1.08x |
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 2021
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42122, Alvaton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,220 (100%) |
| Owner Occupied HU | 1,886 (85.0%) |
| Renter Occupied HU | 218 ( 9.8%) |
| Vacant Housing Units | 116 ( 5.2%) |
| Median Home Value | $317,523 |
| Average Home Value | $402,802 |
Housing Distribution
Address Breakdown
Residential
2,345
Single Family
2,345
Multi-Family
0
Businesses
41
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 2021
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42122, Alvaton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,220 (100%) |
| Owner Occupied HU | 1,886 (85.0%) |
| Renter Occupied HU | 218 ( 9.8%) |
| Vacant Housing Units | 116 ( 5.2%) |
| Median Home Value | $317,523 |
| Average Home Value | $402,802 |
Housing Distribution
Address Breakdown
Residential
2,345
Single Family
2,345
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices