25 Main StMc KinneyKY40448
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 25 Main St, Mc Kinney, KY, 40448 in Mc Kinney at $162,700 earns $1,062/mo in rent and nets $72/mo after the $732/mo payment, a 7.83% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $44,951 over five years. Ziffy Mortgage underwrites this on a 1.45 DSCR without U.S. credit history. With $1,498/yr in principal paydown, total projected return reaches $66,266.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.2% |
| Monthly Cash Flow | $72 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,062 |
| Total Monthly Debt Service | $925 |
| DSCR Ratio | 1.15x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40448, Mc Kinney, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
50
Single Family
1
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40448, Mc Kinney, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
50
Single Family
1
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices