2095 Fisherville RdFinchvilleKY40022
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2095 Fisherville Rd, Finchville, KY, 40022 in Finchville fits: $1,450,000, 3.33% gross yield, and a projected 5% annual appreciation rate adding $400,608 in value within five years. Rental yield 3.33%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.62) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,355/yr in principal paydown and $400,608 in appreciation project a total return of $240,006.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 8.5% |
| Monthly Cash Flow | $(4,805) | $420 |
City averages based on Finchville 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 | $4,020 |
| Total Monthly Debt Service | $8,248 |
| DSCR Ratio | 0.49x |
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 2000
11.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40022, Finchville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 461 (100%) |
| Owner Occupied HU | 398 (86.3%) |
| Renter Occupied HU | 46 ( 10.0%) |
| Vacant Housing Units | 17 ( 3.7%) |
| Median Home Value | $460,177 |
| Average Home Value | $579,950 |
Housing Distribution
Address Breakdown
Residential
387
Single Family
387
Multi-Family
0
Businesses
24
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 2000
11.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40022, Finchville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 461 (100%) |
| Owner Occupied HU | 398 (86.3%) |
| Renter Occupied HU | 46 ( 10.0%) |
| Vacant Housing Units | 17 ( 3.7%) |
| Median Home Value | $460,177 |
| Average Home Value | $579,950 |
Housing Distribution
Address Breakdown
Residential
387
Single Family
387
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Metro Search Inc. LLC DBA Apex MLS
Mls ID: #1721677