12120 Rosewood LnGoshenKY40026
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 12120 Rosewood Ln, Goshen, KY, 40026 in Goshen. At $355,000 it earns $2,880/mo in rent and distributes $717/mo to the owner after the $1,683/mo payment, a consistent 9.74% yield. DSCR 1.71 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $98,080 in value; $2,976/yr in principal paydown compounds ownership stake. Total projected return: $174,059.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.8% |
| Monthly Cash Flow | $717 | $210 |
City averages based on Goshen market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,880 |
| Total Monthly Debt Service | $2,106 |
| DSCR Ratio | 1.37x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1984
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40026, Goshen, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,164 (100%) |
| Owner Occupied HU | 1,930 (89.2%) |
| Renter Occupied HU | 149 ( 6.9%) |
| Vacant Housing Units | 85 ( 3.9%) |
| Median Home Value | $415,472 |
| Average Home Value | $493,683 |
Housing Distribution
Address Breakdown
Residential
2,101
Single Family
2,101
Multi-Family
0
Businesses
155
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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
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