1107 Bayswater DrUnionKY41091
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1107 Bayswater Dr, Union, KY, 41091 in Union at $489,000 earns $3,118/mo in rent and nets $142/mo after the $2,199/mo payment, a 7.65% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $135,102 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $4,504/yr in principal paydown, total projected return reaches $194,355.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.1% |
| Monthly Cash Flow | $142 | $285 |
City averages based on Union market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,118 |
| Total Monthly Debt Service | $2,782 |
| DSCR Ratio | 1.12x |
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 2003
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41091, Union, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,118 (100%) |
| Owner Occupied HU | 7,864 (86.2%) |
| Renter Occupied HU | 821 ( 9.0%) |
| Vacant Housing Units | 433 ( 4.7%) |
| Median Home Value | $410,432 |
| Average Home Value | $452,431 |
Housing Distribution
Address Breakdown
Residential
9,443
Single Family
9,443
Multi-Family
0
Businesses
277
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 2003
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41091, Union, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,118 (100%) |
| Owner Occupied HU | 7,864 (86.2%) |
| Renter Occupied HU | 821 ( 9.0%) |
| Vacant Housing Units | 433 ( 4.7%) |
| Median Home Value | $410,432 |
| Average Home Value | $452,431 |
Housing Distribution
Address Breakdown
Residential
9,443
Single Family
9,443
Multi-Family
0
Businesses
277
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices