2963 Buttermilk RdSaint CharlesKY42453
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play2963 Buttermilk Rd, Saint Charles, KY, 42453 in Saint Charles is priced for appreciation, not yield. Rental yield 1.9%. At $1,050,000 with a 1.9% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $290,096 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.35) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $93,549.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 6.2% |
| Monthly Cash Flow | $(4,726) | $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 | $1,664 |
| Total Monthly Debt Service | $5,973 |
| DSCR Ratio | 0.28x |
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.
Manufactured
Built in 2015
171.19 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42453, Saint Charles, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 212 (100%) |
| Owner Occupied HU | 153 (72.2%) |
| Renter Occupied HU | 29 (13.7%) |
| Vacant Housing Units | 30 (14.2%) |
| Median Home Value | $176,442 |
| Average Home Value | $144,853 |
Housing Distribution
Address Breakdown
Residential
151
Single Family
151
Multi-Family
0
Businesses
10
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
Manufactured
Built in 2015
171.19 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42453, Saint Charles, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 212 (100%) |
| Owner Occupied HU | 153 (72.2%) |
| Renter Occupied HU | 29 (13.7%) |
| Vacant Housing Units | 30 (14.2%) |
| Median Home Value | $176,442 |
| Average Home Value | $144,853 |
Housing Distribution
Address Breakdown
Residential
151
Single Family
151
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MHCBOR
Mls ID: #121932