13310 Georgetown RdOwentonKY40359
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 13310 Georgetown Rd, Owenton, KY, 40359 in Owenton at $315,000 earns $2,035/mo in rent and nets $118/mo after the $1,416/mo payment, a 7.75% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $87,029 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $2,901/yr in principal paydown, total projected return reaches $126,922.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.9% |
| Monthly Cash Flow | $118 | $350 |
City averages based on Owenton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,035 |
| Total Monthly Debt Service | $1,792 |
| DSCR Ratio | 1.14x |
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.
Manufactured
Built in 2022
17.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40359, Owenton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,546 (100%) |
| Owner Occupied HU | 2,187 (61.7%) |
| Renter Occupied HU | 662 (18.7%) |
| Vacant Housing Units | 697 (19.7%) |
| Median Home Value | $201,947 |
| Average Home Value | $228,341 |
Housing Distribution
Address Breakdown
Residential
2,935
Single Family
2,935
Multi-Family
0
Businesses
204
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
Manufactured
Built in 2022
17.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40359, Owenton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,546 (100%) |
| Owner Occupied HU | 2,187 (61.7%) |
| Renter Occupied HU | 662 (18.7%) |
| Vacant Housing Units | 697 (19.7%) |
| Median Home Value | $201,947 |
| Average Home Value | $228,341 |
Housing Distribution
Address Breakdown
Residential
2,935
Single Family
2,935
Multi-Family
0
Businesses
204
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices