1451 Osborne RdAdolphusKY42120
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 1451 Osborne Rd, Adolphus, KY, 42120 in Adolphus is a conservative rental investment at $292,000. Rental yield 6.72%. A 1.25 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $80,674; $2,689/yr in principal paydown supplements. Total projected return: $101,561.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 8.0% |
| Monthly Cash Flow | $(142) | $1,500 |
City averages based on Adolphus market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,636 |
| Total Monthly Debt Service | $1,661 |
| DSCR Ratio | 0.98x |
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 N/A
6.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42120, Adolphus, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,163 (100%) |
| Owner Occupied HU | 796 (68.4%) |
| Renter Occupied HU | 223 (19.2%) |
| Vacant Housing Units | 144 (12.4%) |
| Median Home Value | $213,359 |
| Average Home Value | $212,704 |
Housing Distribution
Address Breakdown
Residential
1,148
Single Family
1,148
Multi-Family
0
Businesses
17
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 N/A
6.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42120, Adolphus, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,163 (100%) |
| Owner Occupied HU | 796 (68.4%) |
| Renter Occupied HU | 223 (19.2%) |
| Vacant Housing Units | 144 (12.4%) |
| Median Home Value | $213,359 |
| Average Home Value | $212,704 |
Housing Distribution
Address Breakdown
Residential
1,148
Single Family
1,148
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices