709 W Main StGamalielKY42140
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 709 W Main St, Gamaliel, KY, 42140 in Gamaliel. At $139,000 it earns $1,187/mo in rent and distributes $341/mo to the owner after the $625/mo payment, a consistent 10.25% yield. DSCR 1.90 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $38,403 in value; $1,280/yr in principal paydown compounds ownership stake. Total projected return: $74,636.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $341 | $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 | $1,187 |
| Total Monthly Debt Service | $791 |
| DSCR Ratio | 1.50x |
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.
Single Family
Built in 1966
2.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42140, Gamaliel, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 586 (100%) |
| Owner Occupied HU | 381 (65.0%) |
| Renter Occupied HU | 139 (23.7%) |
| Vacant Housing Units | 66 (11.3%) |
| Median Home Value | $96,481 |
| Average Home Value | $271,155 |
Housing Distribution
Address Breakdown
Residential
554
Single Family
554
Multi-Family
0
Businesses
38
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 1966
2.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42140, Gamaliel, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 586 (100%) |
| Owner Occupied HU | 381 (65.0%) |
| Renter Occupied HU | 139 (23.7%) |
| Vacant Housing Units | 66 (11.3%) |
| Median Home Value | $96,481 |
| Average Home Value | $271,155 |
Housing Distribution
Address Breakdown
Residential
554
Single Family
554
Multi-Family
0
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices