2681 Indian Creek RdHillsboroKY41049
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 2681 Indian Creek Rd, Hillsboro, KY, 41049 in Hillsboro at $649,000, 2.12% gross yield, is a market-growth asset. Rental yield 2.12%. The $1,147/mo rent partially funds the $2,918/mo debt service; the core return is the 5%/yr price growth projected to add $179,307 over five years. Ziffy Mortgage's DSCR mortgage (0.39) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $65,467.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.1% | 8.0% |
| Monthly Cash Flow | $(2,803) | $700 |
City averages based on Hillsboro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,147 |
| Total Monthly Debt Service | $3,692 |
| DSCR Ratio | 0.31x |
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.
Manufactured
Built in 2020
16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41049, Hillsboro, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,059 (100%) |
| Owner Occupied HU | 727 (68.6%) |
| Renter Occupied HU | 175 (16.5%) |
| Vacant Housing Units | 157 (14.8%) |
| Median Home Value | $162,500 |
| Average Home Value | $304,443 |
Housing Distribution
Address Breakdown
Residential
1,042
Single Family
1,042
Multi-Family
0
Businesses
12
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
Manufactured
Built in 2020
16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41049, Hillsboro, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,059 (100%) |
| Owner Occupied HU | 727 (68.6%) |
| Renter Occupied HU | 175 (16.5%) |
| Vacant Housing Units | 157 (14.8%) |
| Median Home Value | $162,500 |
| Average Home Value | $304,443 |
Housing Distribution
Address Breakdown
Residential
1,042
Single Family
1,042
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sasha Hawkins • C Roger Lewis Agency
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25005848
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