LOT 18 Chokeberry StFranklinKY42134
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at LOT 18 Chokeberry St, Franklin, KY, 42134 in Franklin is narrow, $46/mo net on $1,920/mo rent after the $1,460/mo debt service, but the property operates at break-even-plus, not a loss. At $307,900 with a 7.48% yield, the long-run equity case via 5% appreciation ($85,067 over five years) and $2,581/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.32 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $113,813.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 8.0% |
| Monthly Cash Flow | $46 | $450 |
City averages based on Franklin 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 | $1,920 |
| Total Monthly Debt Service | $1,827 |
| DSCR Ratio | 1.05x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2026
8,712 sqft lot
$N/A/sqft
No HOA
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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
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