1034 Hill StRadcliffKY40160
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1034 Hill St, Radcliff, KY, 40160 in Radcliff at $199,900 earns $1,235/mo in rent and nets $18/mo after the $899/mo payment, a 7.41% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $55,229 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $1,841/yr in principal paydown, total projected return reaches $76,886.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 7.0% |
| Monthly Cash Flow | $18 | $150 |
City averages based on Radcliff market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,235 |
| Total Monthly Debt Service | $1,137 |
| DSCR Ratio | 1.09x |
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 2005
0.83 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40160, Radcliff, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,542 (100%) |
| Owner Occupied HU | 5,112 (48.5%) |
| Renter Occupied HU | 4,323 (41.0%) |
| Vacant Housing Units | 1,107 (10.5%) |
| Median Home Value | $178,293 |
| Average Home Value | $217,813 |
Housing Distribution
Address Breakdown
Residential
10,197
Single Family
9,869
Multi-Family
328
Businesses
648
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 2005
0.83 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40160, Radcliff, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,542 (100%) |
| Owner Occupied HU | 5,112 (48.5%) |
| Renter Occupied HU | 4,323 (41.0%) |
| Vacant Housing Units | 1,107 (10.5%) |
| Median Home Value | $178,293 |
| Average Home Value | $217,813 |
Housing Distribution
Address Breakdown
Residential
10,197
Single Family
9,869
Multi-Family
328
Businesses
648
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices