120 Drowsy DrHardinsburgKY40143
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play120 Drowsy Dr, Hardinsburg, KY, 40143 in Hardinsburg is priced for appreciation, not yield. Rental yield 3.94%. At $448,000 with a 3.94% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $123,774 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.73) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $88,948.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 9.0% |
| Monthly Cash Flow | $(1,255) | $450 |
City averages based on Hardinsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,471 |
| Total Monthly Debt Service | $2,548 |
| DSCR Ratio | 0.58x |
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 1979
1.44 Acres lot
$N/A/sqft
No HOA
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 1979
1.44 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: HKMLS
Mls ID: #HK2601215