1023 Sublimity Hollow RdGirdlerKY40943
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 1023 Sublimity Hollow Rd, Girdler, KY, 40943 in Girdler worth modelling. At $245,000 with a 8.24% gross yield, the $1,682/mo rent leaves $191/mo after the $1,102/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.53 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $67,689 by year five; $2,256/yr in principal reduction adds further equity. Total projected return: $105,112.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.5% |
| Monthly Cash Flow | $191 | $700 |
City averages based on Girdler market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,682 |
| Total Monthly Debt Service | $1,394 |
| DSCR Ratio | 1.21x |
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 1999
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40943, Girdler, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 293 (100%) |
| Owner Occupied HU | 205 (70.0%) |
| Renter Occupied HU | 42 (14.3%) |
| Vacant Housing Units | 46 (15.7%) |
| Median Home Value | $165,625 |
| Average Home Value | $195,427 |
Housing Distribution
Address Breakdown
Residential
163
Single Family
163
Multi-Family
0
Businesses
8
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 1999
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40943, Girdler, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 293 (100%) |
| Owner Occupied HU | 205 (70.0%) |
| Renter Occupied HU | 42 (14.3%) |
| Vacant Housing Units | 46 (15.7%) |
| Median Home Value | $165,625 |
| Average Home Value | $195,427 |
Housing Distribution
Address Breakdown
Residential
163
Single Family
163
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices