26 Todd StLivingstonKY40445
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 26 Todd St, Livingston, KY, 40445 in Livingston. At $120,000 it earns $1,028/mo in rent and distributes $298/mo to the owner after the $540/mo payment, a consistent 10.28% yield. DSCR 1.90 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $33,154 in value; $1,105/yr in principal paydown compounds ownership stake. Total projected return: $64,581.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 7.5% |
| Monthly Cash Flow | $298 | $200 |
City averages based on Livingston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,028 |
| Total Monthly Debt Service | $683 |
| DSCR Ratio | 1.51x |
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 N/A
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40445, Livingston, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 315 (100%) |
| Owner Occupied HU | 217 (68.9%) |
| Renter Occupied HU | 49 (15.6%) |
| Vacant Housing Units | 49 (15.6%) |
| Median Home Value | $105,682 |
| Average Home Value | $119,574 |
Housing Distribution
Address Breakdown
Residential
273
Single Family
273
Multi-Family
0
Businesses
13
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 N/A
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40445, Livingston, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 315 (100%) |
| Owner Occupied HU | 217 (68.9%) |
| Renter Occupied HU | 49 (15.6%) |
| Vacant Housing Units | 49 (15.6%) |
| Median Home Value | $105,682 |
| Average Home Value | $119,574 |
Housing Distribution
Address Breakdown
Residential
273
Single Family
273
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shawna Wever • Wever Realty LLC
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25010442
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.