106 N Center StIrvingtonKY40146
INVESTMENT ANALYSIS
Investment Verdict
Solid Income106 N Center St, Irvington, KY, 40146 in Irvington is a solid income-producing rental, 9.32% gross yield, $1,456/mo rent, $315/mo net cash flow on a $187,500 buy. DSCR 1.73 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $51,803 and $1,727/yr in principal reduction project a total cumulative return of $91,306.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 8.0% |
| Monthly Cash Flow | $315 | $350 |
City averages based on Irvington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,456 |
| Total Monthly Debt Service | $1,067 |
| DSCR Ratio | 1.37x |
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.
Manufactured
Built in 2025
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40146, Irvington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,728 (100%) |
| Owner Occupied HU | 1,160 (67.1%) |
| Renter Occupied HU | 388 (22.5%) |
| Vacant Housing Units | 180 (10.4%) |
| Median Home Value | $154,301 |
| Average Home Value | $205,541 |
Housing Distribution
Address Breakdown
Residential
1,670
Single Family
1,670
Multi-Family
0
Businesses
90
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
Manufactured
Built in 2025
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40146, Irvington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,728 (100%) |
| Owner Occupied HU | 1,160 (67.1%) |
| Renter Occupied HU | 388 (22.5%) |
| Vacant Housing Units | 180 (10.4%) |
| Median Home Value | $154,301 |
| Average Home Value | $205,541 |
Housing Distribution
Address Breakdown
Residential
1,670
Single Family
1,670
Multi-Family
0
Businesses
90
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices