121 Harvest Bend TrlBereaKY40403
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 121 Harvest Bend Trl, Berea, KY, 40403 in Berea. At $189,900 it earns $1,536/mo in rent and distributes $380/mo to the owner after the $854/mo payment, a consistent 9.71% yield. DSCR 1.80 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $52,466 in value; $1,749/yr in principal paydown compounds ownership stake. Total projected return: $96,402.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.5% |
| Monthly Cash Flow | $380 | $850 |
City averages based on Berea market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,536 |
| Total Monthly Debt Service | $1,080 |
| DSCR Ratio | 1.42x |
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 2024
218 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40403, Berea, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,224 (100%) |
| Owner Occupied HU | 7,789 (63.7%) |
| Renter Occupied HU | 3,605 (29.5%) |
| Vacant Housing Units | 830 ( 6.8%) |
| Median Home Value | $241,988 |
| Average Home Value | $265,708 |
Housing Distribution
Address Breakdown
Residential
11,527
Single Family
11,470
Multi-Family
57
Businesses
755
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 2024
218 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40403, Berea, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,224 (100%) |
| Owner Occupied HU | 7,789 (63.7%) |
| Renter Occupied HU | 3,605 (29.5%) |
| Vacant Housing Units | 830 ( 6.8%) |
| Median Home Value | $241,988 |
| Average Home Value | $265,708 |
Housing Distribution
Address Breakdown
Residential
11,527
Single Family
11,470
Multi-Family
57
Businesses
755
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Delma Peercy • Bluehorse Realty
Mls Name: Bluegrass REALTORS
Mls Provider:
Mls ID: #24007663
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.