996 Owen Rhea RdTilineKY42083
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 996 Owen Rhea Rd, Tiline, KY, 42083 in Tiline is capital appreciation. Rental yield 2.85%. The 2.85% gross yield at $400,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $110,513 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.53) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $55,978.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.0% |
| Monthly Cash Flow | $(1,484) | $350 |
City averages based on Tiline market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $950 |
| Total Monthly Debt Service | $2,275 |
| DSCR Ratio | 0.42x |
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 1960
99.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42083, Tiline, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 132 (100%) |
| Owner Occupied HU | 92 (69.7%) |
| Renter Occupied HU | 7 ( 5.3%) |
| Vacant Housing Units | 33 (25.0%) |
| Median Home Value | $214,706 |
| Average Home Value | $274,049 |
Housing Distribution
Address Breakdown
Residential
145
Single Family
145
Multi-Family
0
Businesses
2
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 1960
99.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42083, Tiline, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 132 (100%) |
| Owner Occupied HU | 92 (69.7%) |
| Renter Occupied HU | 7 ( 5.3%) |
| Vacant Housing Units | 33 (25.0%) |
| Median Home Value | $214,706 |
| Average Home Value | $274,049 |
Housing Distribution
Address Breakdown
Residential
145
Single Family
145
Multi-Family
0
Businesses
2
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices