3603 N Highway 259HardinsburgKY40143
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3603 N Highway 259, Hardinsburg, KY, 40143 in Hardinsburg at $325,000, 4.52% gross yield, is a market-growth asset. Rental yield 4.52%. The $1,224/mo rent partially funds the $1,461/mo debt service; the core return is the 5%/yr price growth projected to add $89,792 over five years. Ziffy Mortgage's DSCR mortgage (0.84) 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: $74,610.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 9.0% |
| Monthly Cash Flow | $(754) | $450 |
City averages based on Hardinsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,224 |
| Total Monthly Debt Service | $1,849 |
| DSCR Ratio | 0.66x |
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 N/A
1.23 Acres 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 N/A
1.23 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeffrey E Tate • FHRA, Inc.
Mls Name: GLARMLS
Mls ID: #1704242