931 Pine StBentonKY42025
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Benton rental at 931 Pine St, Benton, KY, 42025 sits in the solid-income band: 9.42% gross yield, $942/mo rent, $212/mo net after the $540/mo debt service, DSCR 1.74. Entry price of $120,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $33,154 and $1,105/yr in principal reduction bring total cumulative return to $59,037.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.2% |
| Monthly Cash Flow | $212 | $450 |
City averages based on Benton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $942 |
| Total Monthly Debt Service | $683 |
| DSCR Ratio | 1.38x |
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 1951
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42025, Benton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,947 (100%) |
| Owner Occupied HU | 6,773 (68.1%) |
| Renter Occupied HU | 1,678 (16.9%) |
| Vacant Housing Units | 1,496 (15.0%) |
| Median Home Value | $241,724 |
| Average Home Value | $259,866 |
Housing Distribution
Address Breakdown
Residential
9,045
Single Family
8,845
Multi-Family
200
Businesses
669
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 1951
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42025, Benton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,947 (100%) |
| Owner Occupied HU | 6,773 (68.1%) |
| Renter Occupied HU | 1,678 (16.9%) |
| Vacant Housing Units | 1,496 (15.0%) |
| Median Home Value | $241,724 |
| Average Home Value | $259,866 |
Housing Distribution
Address Breakdown
Residential
9,045
Single Family
8,845
Multi-Family
200
Businesses
669
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices