1020 Curdsville RdHarrodsburgKY40330
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1020 Curdsville Rd, Harrodsburg, KY, 40330 in Harrodsburg worth study. Rental yield 5.18%. The 5.18% gross yield is below cash-flow benchmarks at $750,000, but 5% annual appreciation, adding $207,211 over five years, frames this as a capital growth position. Rent of $3,240/mo partially offsets the $3,372/mo payment. Ziffy Mortgage finances appreciation-play properties (0.96 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $198,868.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(1,325) | $150 |
City averages based on Harrodsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,240 |
| Total Monthly Debt Service | $4,266 |
| DSCR Ratio | 0.76x |
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.
Single Family
Built in 2022
13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40330, Harrodsburg, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,932 (100%) |
| Owner Occupied HU | 6,453 (65.0%) |
| Renter Occupied HU | 2,342 (23.6%) |
| Vacant Housing Units | 1,137 (11.4%) |
| Median Home Value | $225,704 |
| Average Home Value | $265,215 |
Housing Distribution
Address Breakdown
Residential
9,031
Single Family
8,900
Multi-Family
131
Businesses
590
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
13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40330, Harrodsburg, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,932 (100%) |
| Owner Occupied HU | 6,453 (65.0%) |
| Renter Occupied HU | 2,342 (23.6%) |
| Vacant Housing Units | 1,137 (11.4%) |
| Median Home Value | $225,704 |
| Average Home Value | $265,215 |
Housing Distribution
Address Breakdown
Residential
9,031
Single Family
8,900
Multi-Family
131
Businesses
590
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Corey James • RM McGinnis, LLC Real Est & Auction Professionals
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25009823
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.