225 Buffalo TrceWinchesterKY40391
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 225 Buffalo Trce, Winchester, KY, 40391 in Winchester at $209,900 earns $1,428/mo in rent and nets $151/mo after the $944/mo payment, a 8.16% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $57,992 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $1,933/yr in principal paydown, total projected return reaches $89,182.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 8.0% |
| Monthly Cash Flow | $151 | $150 |
City averages based on Winchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,428 |
| Total Monthly Debt Service | $1,194 |
| DSCR Ratio | 1.20x |
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 1999
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40391, Winchester, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,374 (100%) |
| Owner Occupied HU | 10,285 (62.8%) |
| Renter Occupied HU | 4,824 (29.5%) |
| Vacant Housing Units | 1,265 ( 7.7%) |
| Median Home Value | $223,867 |
| Average Home Value | $258,919 |
Housing Distribution
Address Breakdown
Residential
15,316
Single Family
15,081
Multi-Family
235
Businesses
872
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 1999
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40391, Winchester, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,374 (100%) |
| Owner Occupied HU | 10,285 (62.8%) |
| Renter Occupied HU | 4,824 (29.5%) |
| Vacant Housing Units | 1,265 ( 7.7%) |
| Median Home Value | $223,867 |
| Average Home Value | $258,919 |
Housing Distribution
Address Breakdown
Residential
15,316
Single Family
15,081
Multi-Family
235
Businesses
872
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Imagine MLS
Mls ID: #26004556