19 S 42nd LoopPendletonKY40055
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 19 S 42nd Loop, Pendleton, KY, 40055 in Pendleton. Priced at $175,000, it generates $1,808/mo in gross rent and $743/mo in net monthly cash flow, a 12.4% yield that comfortably supports the 2.30 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,920. Five-year appreciation: $48,349. Equity from principal paydown: $1,612/yr. Total projected cumulative return: $114,117.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 5.0% |
| Monthly Cash Flow | $743 | $400 |
City averages based on Pendleton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,808 |
| Total Monthly Debt Service | $995 |
| DSCR Ratio | 1.82x |
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 1960
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40055, Pendleton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 848 (100%) |
| Owner Occupied HU | 711 (83.8%) |
| Renter Occupied HU | 98 (11.6%) |
| Vacant Housing Units | 39 ( 4.6%) |
| Median Home Value | $241,987 |
| Average Home Value | $301,269 |
Housing Distribution
Address Breakdown
Residential
797
Single Family
797
Multi-Family
0
Businesses
42
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 1960
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40055, Pendleton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 848 (100%) |
| Owner Occupied HU | 711 (83.8%) |
| Renter Occupied HU | 98 (11.6%) |
| Vacant Housing Units | 39 ( 4.6%) |
| Median Home Value | $241,987 |
| Average Home Value | $301,269 |
Housing Distribution
Address Breakdown
Residential
797
Single Family
797
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices