899 Ralley RdKeavyKY40737
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.78% gross rental yield, 899 Ralley Rd, Keavy, KY, 40737 in Keavy is priced for capital growth, not immediate cash flow. The $649,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $179,555 by year five, with $5,986/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.52) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $88,502.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 6.0% |
| Monthly Cash Flow | $(2,451) | $850 |
City averages based on Keavy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,505 |
| Total Monthly Debt Service | $3,697 |
| DSCR Ratio | 0.41x |
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 1998
5.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40737, Keavy, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 830 (100%) |
| Owner Occupied HU | 586 (70.6%) |
| Renter Occupied HU | 177 (21.3%) |
| Vacant Housing Units | 67 ( 8.1%) |
| Median Home Value | $172,093 |
| Average Home Value | $188,784 |
Housing Distribution
Address Breakdown
Residential
638
Single Family
638
Multi-Family
0
Businesses
13
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 1998
5.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40737, Keavy, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 830 (100%) |
| Owner Occupied HU | 586 (70.6%) |
| Renter Occupied HU | 177 (21.3%) |
| Vacant Housing Units | 67 ( 8.1%) |
| Median Home Value | $172,093 |
| Average Home Value | $188,784 |
Housing Distribution
Address Breakdown
Residential
638
Single Family
638
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices