101 Summerfield DrDry RidgeKY41035
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 101 Summerfield Dr, Dry Ridge, KY, 41035 in Dry Ridge: $1,110/mo in rent, $215/mo in net income, 9.06% gross yield, 1.68 DSCR, all at $147,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $40,613 in appreciation and $1,354/yr in principal paydown projects total cumulative return of $69,547.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.8% |
| Monthly Cash Flow | $215 | $650 |
City averages based on Dry Ridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,110 |
| Total Monthly Debt Service | $836 |
| DSCR Ratio | 1.33x |
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 2022
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41035, Dry Ridge, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,601 (100%) |
| Owner Occupied HU | 3,173 (69.0%) |
| Renter Occupied HU | 1,026 (22.3%) |
| Vacant Housing Units | 402 ( 8.7%) |
| Median Home Value | $226,293 |
| Average Home Value | $247,191 |
Housing Distribution
Address Breakdown
Residential
4,396
Single Family
4,396
Multi-Family
0
Businesses
248
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 2022
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41035, Dry Ridge, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,601 (100%) |
| Owner Occupied HU | 3,173 (69.0%) |
| Renter Occupied HU | 1,026 (22.3%) |
| Vacant Housing Units | 402 ( 8.7%) |
| Median Home Value | $226,293 |
| Average Home Value | $247,191 |
Housing Distribution
Address Breakdown
Residential
4,396
Single Family
4,396
Multi-Family
0
Businesses
248
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices