161 Reed Valley RdLondonKY40744
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow161 Reed Valley Rd, London, KY, 40744 in London is a top-tier cash-flow asset. At $439,000 it produces $3,776/mo in rent and $1,105/mo in net monthly income, a 10.32% gross rental yield. The DSCR of 1.91 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $13,255. Five-year appreciation adds $121,288, driving a total cumulative return of $237,324.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 7.5% |
| Monthly Cash Flow | $1,105 | $850 |
City averages based on London market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,776 |
| Total Monthly Debt Service | $2,497 |
| DSCR Ratio | 1.51x |
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 1998
1.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40744, London, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,192 (100%) |
| Owner Occupied HU | 5,614 (68.5%) |
| Renter Occupied HU | 1,960 (23.9%) |
| Vacant Housing Units | 618 ( 7.5%) |
| Median Home Value | $171,588 |
| Average Home Value | $215,546 |
Housing Distribution
Address Breakdown
Residential
8,043
Single Family
7,870
Multi-Family
173
Businesses
255
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 1998
1.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40744, London, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,192 (100%) |
| Owner Occupied HU | 5,614 (68.5%) |
| Renter Occupied HU | 1,960 (23.9%) |
| Vacant Housing Units | 618 ( 7.5%) |
| Median Home Value | $171,588 |
| Average Home Value | $215,546 |
Housing Distribution
Address Breakdown
Residential
8,043
Single Family
7,870
Multi-Family
173
Businesses
255
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices