228 Jackson StWinchesterKY40391
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 228 Jackson St, Winchester, KY, 40391 in Winchester is straightforward: $146,000 in, $1,111/mo in rent, $222/mo out after debt service. The 9.13% gross yield and 1.69 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $40,337 by year five. With $1,345/yr in principal equity, the total cumulative return is projected at $69,639.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 8.0% |
| Monthly Cash Flow | $222 | $150 |
City averages based on Winchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,111 |
| Total Monthly Debt Service | $830 |
| DSCR Ratio | 1.34x |
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 1940
7,405 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 1940
7,405 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: David Espinosa • Bluegrass Realty Pros, Inc
Mls Name: Imagine MLS
Mls ID: #25015194