912 Kelly StCarrolltonKY41008
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 912 Kelly St, Carrollton, KY, 41008 in Carrollton delivers $1,715/mo in gross rent and $473/mo in net monthly income at a $204,000 entry. The 10.09% yield and 1.87 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $56,361 over five years and $1,879/yr in equity from loan paydown, total projected return is $107,740.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $473 | $800 |
City averages based on Carrollton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,715 |
| Total Monthly Debt Service | $1,160 |
| DSCR Ratio | 1.48x |
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
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41008, Carrollton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,272 (100%) |
| Owner Occupied HU | 1,716 (52.4%) |
| Renter Occupied HU | 1,221 (37.3%) |
| Vacant Housing Units | 335 (10.2%) |
| Median Home Value | $172,917 |
| Average Home Value | $209,486 |
Housing Distribution
Address Breakdown
Residential
3,035
Single Family
2,989
Multi-Family
46
Businesses
354
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
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41008, Carrollton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,272 (100%) |
| Owner Occupied HU | 1,716 (52.4%) |
| Renter Occupied HU | 1,221 (37.3%) |
| Vacant Housing Units | 335 (10.2%) |
| Median Home Value | $172,917 |
| Average Home Value | $209,486 |
Housing Distribution
Address Breakdown
Residential
3,035
Single Family
2,989
Multi-Family
46
Businesses
354
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shelley Brown • NextHome Custom Realty
Mls Name: GLARMLS
Mls ID: #1695662