114 Gainsborough LnVersaillesKY40383
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 114 Gainsborough Ln, Versailles, KY, 40383 in Versailles deserves attention. This $400,346 property earns $3,484/mo in rent, a 10.44% gross yield, and nets $1,039/mo after the $1,800/mo payment. DSCR 1.94 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $110,608 compounds alongside $3,687/yr in yearly equity build, for a total cumulative return of $219,039.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.1% |
| Monthly Cash Flow | $1,039 | $950 |
City averages based on Versailles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,484 |
| Total Monthly Debt Service | $2,277 |
| DSCR Ratio | 1.53x |
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 2025
7,801 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40383, Versailles, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,936 (100%) |
| Owner Occupied HU | 7,598 (69.5%) |
| Renter Occupied HU | 2,743 (25.1%) |
| Vacant Housing Units | 595 ( 5.4%) |
| Median Home Value | $311,634 |
| Average Home Value | $360,275 |
Housing Distribution
Address Breakdown
Residential
10,364
Single Family
10,233
Multi-Family
131
Businesses
769
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 2025
7,801 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40383, Versailles, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,936 (100%) |
| Owner Occupied HU | 7,598 (69.5%) |
| Renter Occupied HU | 2,743 (25.1%) |
| Vacant Housing Units | 595 ( 5.4%) |
| Median Home Value | $311,634 |
| Average Home Value | $360,275 |
Housing Distribution
Address Breakdown
Residential
10,364
Single Family
10,233
Multi-Family
131
Businesses
769
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Imagine MLS
Mls ID: #25508453