2081 Bells Ridge RdBedfordKY40006
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 2081 Bells Ridge Rd, Bedford, KY, 40006 in Bedford, $674,500, 7.42% gross yield, $67/mo net income. Consider it a market-entry position, the $4,172/mo rent covers the $3,033/mo payment with a margin, and 5%/yr appreciation is projected to add $186,352 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.38) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $259,792.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 7.0% |
| Monthly Cash Flow | $67 | $350 |
City averages based on Bedford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,172 |
| Total Monthly Debt Service | $3,837 |
| DSCR Ratio | 1.09x |
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 1990
10.11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40006, Bedford, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,245 (100%) |
| Owner Occupied HU | 1,627 (72.5%) |
| Renter Occupied HU | 375 (16.7%) |
| Vacant Housing Units | 243 (10.8%) |
| Median Home Value | $215,482 |
| Average Home Value | $219,785 |
Housing Distribution
Address Breakdown
Residential
1,995
Single Family
1,985
Multi-Family
10
Businesses
114
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 1990
10.11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40006, Bedford, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,245 (100%) |
| Owner Occupied HU | 1,627 (72.5%) |
| Renter Occupied HU | 375 (16.7%) |
| Vacant Housing Units | 243 (10.8%) |
| Median Home Value | $215,482 |
| Average Home Value | $219,785 |
Housing Distribution
Address Breakdown
Residential
1,995
Single Family
1,985
Multi-Family
10
Businesses
114
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices