12053 Blue Ash Ln #165ALIndependenceKY41051
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 12053 Blue Ash Ln #165AL, Independence, KY, 41051 in Independence is narrow, $178/mo net on $2,850/mo rent after the $1,965/mo debt service, but the property operates at break-even-plus, not a loss. At $436,900 with a 7.83% yield, the long-run equity case via 5% appreciation ($120,707 over five years) and $4,024/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.45 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $177,763.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.8% |
| Monthly Cash Flow | $178 | $420 |
City averages based on Independence market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,850 |
| Total Monthly Debt Service | $2,485 |
| DSCR Ratio | 1.15x |
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 2026
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41051, Independence, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,467 (100%) |
| Owner Occupied HU | 9,379 (81.8%) |
| Renter Occupied HU | 1,783 (15.5%) |
| Vacant Housing Units | 305 ( 2.7%) |
| Median Home Value | $266,323 |
| Average Home Value | $300,312 |
Housing Distribution
Address Breakdown
Residential
11,820
Single Family
11,350
Multi-Family
470
Businesses
356
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 2026
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41051, Independence, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,467 (100%) |
| Owner Occupied HU | 9,379 (81.8%) |
| Renter Occupied HU | 1,783 (15.5%) |
| Vacant Housing Units | 305 ( 2.7%) |
| Median Home Value | $266,323 |
| Average Home Value | $300,312 |
Housing Distribution
Address Breakdown
Residential
11,820
Single Family
11,350
Multi-Family
470
Businesses
356
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ted Arlinghaus • A+ Realty LLC
Mls Name: NKMLS
Mls ID: #639285