313 E 4th StHardinsburgKY40143
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 313 E 4th St, Hardinsburg, KY, 40143 in Hardinsburg at $115,000 earns $872/mo in rent and nets $172/mo after the $517/mo payment, a 9.1% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $31,772 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $1,059/yr in principal paydown, total projected return reaches $54,647.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 9.0% |
| Monthly Cash Flow | $172 | $450 |
City averages based on Hardinsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $872 |
| Total Monthly Debt Service | $654 |
| DSCR Ratio | 1.33x |
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 1950
6,098 sqft lot
$N/A/sqft
No HOA
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 1950
6,098 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A