107 Walnut LnLondonKY40744
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.54% yield at 107 Walnut Ln, London, KY, 40744 in London is solid, but the $1,457/mo payment compresses net cash flow to $63/mo at $324,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $89,515 by year five, and $2,984/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.40) without U.S. income documentation. Total projected return: $126,757.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 7.5% |
| Monthly Cash Flow | $63 | $850 |
City averages based on London market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,035 |
| Total Monthly Debt Service | $1,843 |
| DSCR Ratio | 1.10x |
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 1989
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40744, London, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,192 (100%) |
| Owner Occupied HU | 5,614 (68.5%) |
| Renter Occupied HU | 1,960 (23.9%) |
| Vacant Housing Units | 618 ( 7.5%) |
| Median Home Value | $171,588 |
| Average Home Value | $215,546 |
Housing Distribution
Address Breakdown
Residential
8,043
Single Family
7,870
Multi-Family
173
Businesses
255
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 1989
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40744, London, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,192 (100%) |
| Owner Occupied HU | 5,614 (68.5%) |
| Renter Occupied HU | 1,960 (23.9%) |
| Vacant Housing Units | 618 ( 7.5%) |
| Median Home Value | $171,588 |
| Average Home Value | $215,546 |
Housing Distribution
Address Breakdown
Residential
8,043
Single Family
7,870
Multi-Family
173
Businesses
255
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices