1805 Fogle RdLorettoKY40037
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1805 Fogle Rd, Loretto, KY, 40037 in Loretto deserves attention. This $159,900 property earns $1,547/mo in rent, a 11.61% gross yield, and nets $574/mo after the $758/mo payment. DSCR 2.04 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $44,177 compounds alongside $1,340/yr in yearly equity build, for a total cumulative return of $94,499.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 7.0% |
| Monthly Cash Flow | $574 | $800 |
City averages based on Loretto market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,547 |
| Total Monthly Debt Service | $949 |
| DSCR Ratio | 1.63x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 2020
1.11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40037, Loretto, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,105 (100%) |
| Owner Occupied HU | 858 (77.6%) |
| Renter Occupied HU | 174 (15.7%) |
| Vacant Housing Units | 73 ( 6.6%) |
| Median Home Value | $222,692 |
| Average Home Value | $252,296 |
Housing Distribution
Address Breakdown
Residential
1,246
Single Family
1,246
Multi-Family
0
Businesses
28
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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
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Nearby investment properties with comparable prices
