3638 Rosalie RdLexingtonKY40510
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3638 Rosalie Rd, Lexington, KY, 40510 in Lexington. Rental yield 3.76%. At $1,600,000 with 3.76% gross yield, current distributions are modest, but the 5% appreciation rate projects $442,051 in new equity by year five, complemented by $14,736/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.70) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $302,174.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 5.2% |
| Monthly Cash Flow | $(4,721) | $385 |
City averages based on Lexington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,017 |
| Total Monthly Debt Service | $9,101 |
| DSCR Ratio | 0.55x |
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 1964
7.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40510, Lexington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 412 (100%) |
| Owner Occupied HU | 294 (71.4%) |
| Renter Occupied HU | 76 (18.4%) |
| Vacant Housing Units | 42 (10.2%) |
| Median Home Value | $561,275 |
| Average Home Value | $602,551 |
Housing Distribution
Address Breakdown
Residential
321
Single Family
321
Multi-Family
0
Businesses
157
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 1964
7.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40510, Lexington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 412 (100%) |
| Owner Occupied HU | 294 (71.4%) |
| Renter Occupied HU | 76 (18.4%) |
| Vacant Housing Units | 42 (10.2%) |
| Median Home Value | $561,275 |
| Average Home Value | $602,551 |
Housing Distribution
Address Breakdown
Residential
321
Single Family
321
Multi-Family
0
Businesses
157
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices