9882 Elizabethtown RdBig CliftyKY42712
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingThere's a case for owning boring assets in strong markets. Rental yield 6.4%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $49,703 and $1,657/yr in equity build project total return of $59,470.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 9.0% |
| Monthly Cash Flow | $(135) | $450 |
City averages based on Big Clifty 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 | $960 |
| Total Monthly Debt Service | $1,023 |
| DSCR Ratio | 0.94x |
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 2026
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42712, Big Clifty, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 826 (100%) |
| Owner Occupied HU | 602 (72.9%) |
| Renter Occupied HU | 111 (13.4%) |
| Vacant Housing Units | 113 (13.7%) |
| Median Home Value | $172,180 |
| Average Home Value | $206,478 |
Housing Distribution
Address Breakdown
Residential
858
Single Family
858
Multi-Family
0
Businesses
27
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 2026
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42712, Big Clifty, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 826 (100%) |
| Owner Occupied HU | 602 (72.9%) |
| Renter Occupied HU | 111 (13.4%) |
| Vacant Housing Units | 113 (13.7%) |
| Median Home Value | $172,180 |
| Average Home Value | $206,478 |
Housing Distribution
Address Breakdown
Residential
858
Single Family
858
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HKMLS
Mls ID: #HK2603202