101 Walker LnLancasterKY40444
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 101 Walker Ln, Lancaster, KY, 40444 in Lancaster worth study. Rental yield 4.41%. The 4.41% gross yield is below cash-flow benchmarks at $359,000, but 5% annual appreciation, adding $99,185 over five years, frames this as a capital growth position. Rent of $1,320/mo partially offsets the $1,614/mo payment. Ziffy Mortgage finances appreciation-play properties (0.82 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $74,374.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.1% |
| Monthly Cash Flow | $(965) | $350 |
City averages based on Lancaster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,320 |
| Total Monthly Debt Service | $2,142 |
| DSCR Ratio | 0.62x |
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.
Condo
Built in 2024
N/A lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40444, Lancaster, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,414 (100%) |
| Owner Occupied HU | 4,571 (71.3%) |
| Renter Occupied HU | 1,300 (20.3%) |
| Vacant Housing Units | 543 ( 8.5%) |
| Median Home Value | $251,449 |
| Average Home Value | $272,741 |
Housing Distribution
Address Breakdown
Residential
6,003
Single Family
5,996
Multi-Family
7
Businesses
321
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
Condo
Built in 2024
N/A lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40444, Lancaster, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,414 (100%) |
| Owner Occupied HU | 4,571 (71.3%) |
| Renter Occupied HU | 1,300 (20.3%) |
| Vacant Housing Units | 543 ( 8.5%) |
| Median Home Value | $251,449 |
| Average Home Value | $272,741 |
Housing Distribution
Address Breakdown
Residential
6,003
Single Family
5,996
Multi-Family
7
Businesses
321
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Phillips • Crossroads Real Estate, LLC
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25007270
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.