305 E 4th StLexingtonKY40508
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 305 E 4th St, Lexington, KY, 40508 in Lexington speaks for itself: 11.86% gross on a $255,000 price, generating $2,520/mo in rent and $968/mo in net income after the $1,209/mo debt service. DSCR 2.08, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,616 stacks alongside $70,452 in projected five-year appreciation and $2,138/yr in principal reduction. Projected total cumulative return: $154,107.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 5.2% |
| Monthly Cash Flow | $968 | $385 |
City averages based on Lexington 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 | $2,520 |
| Total Monthly Debt Service | $1,513 |
| DSCR Ratio | 1.67x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1920
4,791 sqft lot
$N/A/sqft
No HOA
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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
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