148 Westbrooke CirPembrokeKY42266
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 148 Westbrooke Cir, Pembroke, KY, 42266 in Pembroke worth study. Rental yield 2.01%. The 2.01% gross yield is below cash-flow benchmarks at $457,000, but 5% annual appreciation, adding $126,261 over five years, frames this as a capital growth position. Rent of $767/mo partially offsets the $2,055/mo payment. Ziffy Mortgage finances appreciation-play properties (0.37 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $43,483.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 7.0% |
| Monthly Cash Flow | $(2,015) | $250 |
City averages based on Pembroke market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $767 |
| Total Monthly Debt Service | $2,600 |
| DSCR Ratio | 0.30x |
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 2007
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42266, Pembroke, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 947 (100%) |
| Owner Occupied HU | 593 (62.6%) |
| Renter Occupied HU | 227 (24.0%) |
| Vacant Housing Units | 127 (13.4%) |
| Median Home Value | $241,535 |
| Average Home Value | $266,374 |
Housing Distribution
Address Breakdown
Residential
906
Single Family
906
Multi-Family
0
Businesses
44
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 2007
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42266, Pembroke, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 947 (100%) |
| Owner Occupied HU | 593 (62.6%) |
| Renter Occupied HU | 227 (24.0%) |
| Vacant Housing Units | 127 (13.4%) |
| Median Home Value | $241,535 |
| Average Home Value | $266,374 |
Housing Distribution
Address Breakdown
Residential
906
Single Family
906
Multi-Family
0
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices