15 Tilley LnMiltonKY40045
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 15 Tilley Ln, Milton, KY, 40045 in Milton at $229,000 earns $1,440/mo in rent and nets $46/mo after the $1,030/mo payment, a 7.55% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $63,268 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $2,109/yr in principal paydown, total projected return reaches $89,742.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 8.5% |
| Monthly Cash Flow | $46 | $400 |
City averages based on Milton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $1,303 |
| DSCR Ratio | 1.11x |
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.
Single Family
Built in 1958
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40045, Milton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,526 (100%) |
| Owner Occupied HU | 963 (63.1%) |
| Renter Occupied HU | 316 (20.7%) |
| Vacant Housing Units | 247 (16.2%) |
| Median Home Value | $233,553 |
| Average Home Value | $296,869 |
Housing Distribution
Address Breakdown
Residential
1,352
Single Family
1,334
Multi-Family
18
Businesses
61
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 1958
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40045, Milton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,526 (100%) |
| Owner Occupied HU | 963 (63.1%) |
| Renter Occupied HU | 316 (20.7%) |
| Vacant Housing Units | 247 (16.2%) |
| Median Home Value | $233,553 |
| Average Home Value | $296,869 |
Housing Distribution
Address Breakdown
Residential
1,352
Single Family
1,334
Multi-Family
18
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices