902 N Dixie HwyCave CityKY42127
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 902 N Dixie Hwy, Cave City, KY, 42127 in Cave City at $209,900 earns $1,477/mo in rent and nets $200/mo after the $995/mo payment, a 8.45% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $57,992 over five years. Ziffy Mortgage underwrites this on a 1.48 DSCR without U.S. credit history. With $1,760/yr in principal paydown, total projected return reaches $88,401.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.5% |
| Monthly Cash Flow | $200 | $250 |
City averages based on Cave City market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,477 |
| Total Monthly Debt Service | $1,245 |
| DSCR Ratio | 1.19x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1971
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42127, Cave City, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,920 (100%) |
| Owner Occupied HU | 1,644 (56.3%) |
| Renter Occupied HU | 996 (34.1%) |
| Vacant Housing Units | 280 ( 9.6%) |
| Median Home Value | $174,629 |
| Average Home Value | $220,143 |
Housing Distribution
Address Breakdown
Residential
2,745
Single Family
2,745
Multi-Family
0
Businesses
196
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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
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