136 Gibson WayWinchesterKY40391
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 136 Gibson Way, Winchester, KY, 40391 in Winchester at $334,327, 5.17% gross yield, is a market-growth asset. Rental yield 5.17%. The $1,440/mo rent partially funds the $1,503/mo debt service; the core return is the 5%/yr price growth projected to add $92,368 over five years. Ziffy Mortgage's DSCR mortgage (0.96) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $88,388.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 8.0% |
| Monthly Cash Flow | $(595) | $150 |
City averages based on Winchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $1,902 |
| DSCR Ratio | 0.76x |
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 2024
4,878 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40391, Winchester, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,374 (100%) |
| Owner Occupied HU | 10,285 (62.8%) |
| Renter Occupied HU | 4,824 (29.5%) |
| Vacant Housing Units | 1,265 ( 7.7%) |
| Median Home Value | $223,867 |
| Average Home Value | $258,919 |
Housing Distribution
Address Breakdown
Residential
15,316
Single Family
15,081
Multi-Family
235
Businesses
872
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
4,878 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40391, Winchester, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,374 (100%) |
| Owner Occupied HU | 10,285 (62.8%) |
| Renter Occupied HU | 4,824 (29.5%) |
| Vacant Housing Units | 1,265 ( 7.7%) |
| Median Home Value | $223,867 |
| Average Home Value | $258,919 |
Housing Distribution
Address Breakdown
Residential
15,316
Single Family
15,081
Multi-Family
235
Businesses
872
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Neshia Gaines • Christies International Real Estate Bluegrass
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #24023332
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.