184 Hickory LnGermantownKY41044
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 184 Hickory Ln, Germantown, KY, 41044 in Germantown. Rental yield 6.84%. The 1.24 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $96,671 and $3,223/yr in principal reduction project total return of $121,282.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 8.0% |
| Monthly Cash Flow | $(136) | $850 |
City averages based on Germantown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,954 |
| Total Monthly Debt Service | $1,990 |
| DSCR Ratio | 0.98x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41044, Germantown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 456 (100%) |
| Owner Occupied HU | 328 (71.9%) |
| Renter Occupied HU | 69 (15.1%) |
| Vacant Housing Units | 59 (12.9%) |
| Median Home Value | $165,132 |
| Average Home Value | $203,880 |
Housing Distribution
Address Breakdown
Residential
403
Single Family
403
Multi-Family
0
Businesses
8
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 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41044, Germantown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 456 (100%) |
| Owner Occupied HU | 328 (71.9%) |
| Renter Occupied HU | 69 (15.1%) |
| Vacant Housing Units | 59 (12.9%) |
| Median Home Value | $165,132 |
| Average Home Value | $203,880 |
Housing Distribution
Address Breakdown
Residential
403
Single Family
403
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathy Phillips • Phillips Realty And Associates, LLC
Mls Name: Buffalo Trace MLS
Mls ID: #43671
Disclaimer: Copyright Buffalo Trace Multi List Service. All rights reserved. Information is deemed reliable but not guaranteed.