1315 Fireside CtUnionKY41091
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 1315 Fireside Ct, Union, KY, 41091 in Union worth modelling. At $579,000 with a 7.71% gross yield, the $3,176/mo rent leaves $138/mo after the $2,604/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.22 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $159,967 by year five; $5,333/yr in principal reduction adds further equity. Total projected return: $193,380.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.1% |
| Monthly Cash Flow | $138 | $285 |
City averages based on Union market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,176 |
| Total Monthly Debt Service | $3,352 |
| DSCR Ratio | 0.95x |
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 2006
0.35 Acres lot
$N/A/sqft
$700 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41091, Union, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,118 (100%) |
| Owner Occupied HU | 7,864 (86.2%) |
| Renter Occupied HU | 821 ( 9.0%) |
| Vacant Housing Units | 433 ( 4.7%) |
| Median Home Value | $410,432 |
| Average Home Value | $452,431 |
Housing Distribution
Address Breakdown
Residential
9,443
Single Family
9,443
Multi-Family
0
Businesses
277
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 2006
0.35 Acres lot
$N/A/sqft
$700 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41091, Union, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,118 (100%) |
| Owner Occupied HU | 7,864 (86.2%) |
| Renter Occupied HU | 821 ( 9.0%) |
| Vacant Housing Units | 433 ( 4.7%) |
| Median Home Value | $410,432 |
| Average Home Value | $452,431 |
Housing Distribution
Address Breakdown
Residential
9,443
Single Family
9,443
Multi-Family
0
Businesses
277
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lena Keith • Pivot Realty Group
Mls Name: NKMLS
Mls Provider:
Mls ID: #631306
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