176 Hoscat LnPine RidgeKY41360
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Pine Ridge rental at 176 Hoscat Ln, Pine Ridge, KY, 41360 sits in the solid-income band: 8.05% gross yield, $9,389/mo rent, $874/mo net after the $6,291/mo debt service, DSCR 1.49. Entry price of $1,399,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $386,518 and $12,885/yr in principal reduction bring total cumulative return to $586,103.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $874 | $800 |
City averages based on Pine Ridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,389 |
| Total Monthly Debt Service | $7,958 |
| DSCR Ratio | 1.18x |
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 N/A
15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41360, Pine Ridge, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 155 (100%) |
| Owner Occupied HU | 97 (62.6%) |
| Renter Occupied HU | 20 (12.9%) |
| Vacant Housing Units | 38 (24.5%) |
| Median Home Value | $56,250 |
| Average Home Value | $141,263 |
Housing Distribution
Address Breakdown
Residential
175
Single Family
175
Multi-Family
0
Businesses
0
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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
15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41360, Pine Ridge, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 155 (100%) |
| Owner Occupied HU | 97 (62.6%) |
| Renter Occupied HU | 20 (12.9%) |
| Vacant Housing Units | 38 (24.5%) |
| Median Home Value | $56,250 |
| Average Home Value | $141,263 |
Housing Distribution
Address Breakdown
Residential
175
Single Family
175
Multi-Family
0
Businesses
0
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices