986 Shawnee Bay RdBentonKY42025
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 986 Shawnee Bay Rd, Benton, KY, 42025 in Benton. Rental yield 3.95%. At $765,000 with 3.95% gross yield, current distributions are modest, but the 5% appreciation rate projects $211,355 in new equity by year five, complemented by $7,046/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.73) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $152,302.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 7.2% |
| Monthly Cash Flow | $(2,136) | $450 |
City averages based on Benton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,520 |
| Total Monthly Debt Service | $4,352 |
| DSCR Ratio | 0.58x |
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 2018
0.74 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 2018
0.74 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
Listed by: Carla Bridges • RE/MAX Realty Group
Mls Name: WKRMLS
Mls ID: #133149
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.