122 N Howard StBardstownKY40004
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Bardstown rentals match the income profile of 122 N Howard St, Bardstown, KY, 40004. Listed at $400,000, gross rent is $3,712/mo and net cash flow is $1,252/mo, a 11.13% yield well above national averages. DSCR 2.06 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $110,513 by year five with $3,684/yr in annual principal reduction, projecting $233,722 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 7.0% |
| Monthly Cash Flow | $1,252 | $600 |
City averages based on Bardstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,712 |
| Total Monthly Debt Service | $2,275 |
| DSCR Ratio | 1.63x |
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 2013
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40004, Bardstown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,739 (100%) |
| Owner Occupied HU | 9,517 (69.3%) |
| Renter Occupied HU | 3,441 (25.0%) |
| Vacant Housing Units | 781 ( 5.7%) |
| Median Home Value | $246,700 |
| Average Home Value | $272,585 |
Housing Distribution
Address Breakdown
Residential
13,173
Single Family
13,129
Multi-Family
44
Businesses
1,134
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 2013
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40004, Bardstown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,739 (100%) |
| Owner Occupied HU | 9,517 (69.3%) |
| Renter Occupied HU | 3,441 (25.0%) |
| Vacant Housing Units | 781 ( 5.7%) |
| Median Home Value | $246,700 |
| Average Home Value | $272,585 |
Housing Distribution
Address Breakdown
Residential
13,173
Single Family
13,129
Multi-Family
44
Businesses
1,134
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices