110 Holy Cross RdLorettoKY40037
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 110 Holy Cross Rd, Loretto, KY, 40037 in Loretto fits: $750,000, 5.36% gross yield, and a projected 5% annual appreciation rate adding $207,211 in value within five years. Rental yield 5.36%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.99) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,908/yr in principal paydown and $207,211 in appreciation project a total return of $206,068.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 7.0% |
| Monthly Cash Flow | $(1,213) | $800 |
City averages based on Loretto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,352 |
| Total Monthly Debt Service | $4,266 |
| DSCR Ratio | 0.79x |
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 1896
1.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40037, Loretto, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,105 (100%) |
| Owner Occupied HU | 858 (77.6%) |
| Renter Occupied HU | 174 (15.7%) |
| Vacant Housing Units | 73 ( 6.6%) |
| Median Home Value | $222,692 |
| Average Home Value | $252,296 |
Housing Distribution
Address Breakdown
Residential
1,246
Single Family
1,246
Multi-Family
0
Businesses
28
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 1896
1.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40037, Loretto, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,105 (100%) |
| Owner Occupied HU | 858 (77.6%) |
| Renter Occupied HU | 174 (15.7%) |
| Vacant Housing Units | 73 ( 6.6%) |
| Median Home Value | $222,692 |
| Average Home Value | $252,296 |
Housing Distribution
Address Breakdown
Residential
1,246
Single Family
1,246
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices