161 Lombardy DrCeciliaKY42724
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 161 Lombardy Dr, Cecilia, KY, 42724 in Cecilia at $327,500 earns $2,023/mo in rent and nets $30/mo after the $1,473/mo payment, a 7.41% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $90,482 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $3,016/yr in principal paydown, total projected return reaches $125,938.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $30 | $400 |
City averages based on Cecilia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,023 |
| Total Monthly Debt Service | $1,863 |
| DSCR Ratio | 1.09x |
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 1983
1.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42724, Cecilia, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,139 (100%) |
| Owner Occupied HU | 1,726 (80.7%) |
| Renter Occupied HU | 259 (12.1%) |
| Vacant Housing Units | 154 ( 7.2%) |
| Median Home Value | $260,156 |
| Average Home Value | $284,968 |
Housing Distribution
Address Breakdown
Residential
2,083
Single Family
2,083
Multi-Family
0
Businesses
69
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 1983
1.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42724, Cecilia, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,139 (100%) |
| Owner Occupied HU | 1,726 (80.7%) |
| Renter Occupied HU | 259 (12.1%) |
| Vacant Housing Units | 154 ( 7.2%) |
| Median Home Value | $260,156 |
| Average Home Value | $284,968 |
Housing Distribution
Address Breakdown
Residential
2,083
Single Family
2,083
Multi-Family
0
Businesses
69
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices