925 Lincoln Ridge RdWilliamstownKY41097
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 925 Lincoln Ridge Rd, Williamstown, KY, 41097 in Williamstown worth study. Rental yield 3.6%. The 3.6% gross yield is below cash-flow benchmarks at $339,800, but 5% annual appreciation, adding $93,880 over five years, frames this as a capital growth position. Rent of $1,020/mo partially offsets the $1,528/mo payment. Ziffy Mortgage finances appreciation-play properties (0.67 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $61,301.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 8.0% |
| Monthly Cash Flow | $(1,048) | $300 |
City averages based on Williamstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,020 |
| Total Monthly Debt Service | $1,933 |
| DSCR Ratio | 0.53x |
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.
Manufactured
Built in 2006
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41097, Williamstown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,036 (100%) |
| Owner Occupied HU | 1,869 (61.6%) |
| Renter Occupied HU | 697 (23.0%) |
| Vacant Housing Units | 470 (15.5%) |
| Median Home Value | $234,124 |
| Average Home Value | $256,430 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,844
Multi-Family
67
Businesses
223
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
Manufactured
Built in 2006
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41097, Williamstown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,036 (100%) |
| Owner Occupied HU | 1,869 (61.6%) |
| Renter Occupied HU | 697 (23.0%) |
| Vacant Housing Units | 470 (15.5%) |
| Median Home Value | $234,124 |
| Average Home Value | $256,430 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,844
Multi-Family
67
Businesses
223
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NKMLS
Mls ID: #641339