340 Pea Ridge RdStamping GroundKY40379
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 340 Pea Ridge Rd, Stamping Ground, KY, 40379 in Stamping Ground fits: $900,000, 5.72% gross yield, and a projected 5% annual appreciation rate adding $248,653 in value within five years. Rental yield 5.72%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.06) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,289/yr in principal paydown and $248,653 in appreciation project a total return of $264,457.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 8.0% |
| Monthly Cash Flow | $(1,188) | $150 |
City averages based on Stamping Ground market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,290 |
| Total Monthly Debt Service | $5,119 |
| DSCR Ratio | 0.84x |
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.
Single Family
Built in 2004
16.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40379, Stamping Ground, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,502 (100%) |
| Owner Occupied HU | 1,170 (77.9%) |
| Renter Occupied HU | 244 (16.2%) |
| Vacant Housing Units | 88 ( 5.9%) |
| Median Home Value | $301,587 |
| Average Home Value | $355,051 |
Housing Distribution
Address Breakdown
Residential
1,554
Single Family
1,554
Multi-Family
0
Businesses
40
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 2004
16.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40379, Stamping Ground, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,502 (100%) |
| Owner Occupied HU | 1,170 (77.9%) |
| Renter Occupied HU | 244 (16.2%) |
| Vacant Housing Units | 88 ( 5.9%) |
| Median Home Value | $301,587 |
| Average Home Value | $355,051 |
Housing Distribution
Address Breakdown
Residential
1,554
Single Family
1,554
Multi-Family
0
Businesses
40
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices