10 Vinewood LnHitchinsKY41146
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 10 Vinewood Ln, Hitchins, KY, 41146 in Hitchins. At $147,000 it earns $1,118/mo in rent and distributes $223/mo to the owner after the $661/mo payment, a consistent 9.13% yield. DSCR 1.69 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $40,613 in value; $1,354/yr in principal paydown compounds ownership stake. Total projected return: $70,063.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.0% |
| Monthly Cash Flow | $223 | $450 |
City averages based on Hitchins market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,118 |
| Total Monthly Debt Service | $836 |
| DSCR Ratio | 1.34x |
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 1992
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41146, Hitchins, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 159 (100%) |
| Owner Occupied HU | 105 (66.0%) |
| Renter Occupied HU | 29 (18.2%) |
| Vacant Housing Units | 25 (15.7%) |
| Median Home Value | $127,083 |
| Average Home Value | $131,310 |
Housing Distribution
Address Breakdown
Residential
116
Single Family
116
Multi-Family
0
Businesses
7
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 1992
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41146, Hitchins, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 159 (100%) |
| Owner Occupied HU | 105 (66.0%) |
| Renter Occupied HU | 29 (18.2%) |
| Vacant Housing Units | 25 (15.7%) |
| Median Home Value | $127,083 |
| Average Home Value | $131,310 |
Housing Distribution
Address Breakdown
Residential
116
Single Family
116
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices