4627 Highway 437West LibertyKY41472
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4627 Highway 437, West Liberty, KY, 41472 in West Liberty at $189,900 earns $1,302/mo in rent and nets $146/mo after the $854/mo payment, a 8.23% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $52,466 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $1,749/yr in principal paydown, total projected return reaches $81,354.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $146 | $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 | $1,302 |
| Total Monthly Debt Service | $1,080 |
| DSCR Ratio | 1.21x |
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.
Manufactured
Built in 2012
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41472, West Liberty, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,398 (100%) |
| Owner Occupied HU | 2,993 (68.1%) |
| Renter Occupied HU | 797 (18.1%) |
| Vacant Housing Units | 608 (13.8%) |
| Median Home Value | $155,451 |
| Average Home Value | $177,854 |
Housing Distribution
Address Breakdown
Residential
3,945
Single Family
3,945
Multi-Family
0
Businesses
223
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 2012
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41472, West Liberty, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,398 (100%) |
| Owner Occupied HU | 2,993 (68.1%) |
| Renter Occupied HU | 797 (18.1%) |
| Vacant Housing Units | 608 (13.8%) |
| Median Home Value | $155,451 |
| Average Home Value | $177,854 |
Housing Distribution
Address Breakdown
Residential
3,945
Single Family
3,945
Multi-Family
0
Businesses
223
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Imagine MLS
Mls ID: #26012632