364 Harbor Springs RdJamestownKY42629
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play364 Harbor Springs Rd, Jamestown, KY, 42629 in Jamestown is priced for appreciation, not yield. Rental yield 5.43%. At $325,000 with a 5.43% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $89,792 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.01) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $90,498.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 7.8% |
| Monthly Cash Flow | $(507) | $450 |
City averages based on Jamestown 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 | $1,471 |
| Total Monthly Debt Service | $1,849 |
| DSCR Ratio | 0.80x |
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 2025
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42629, Jamestown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,138 (100%) |
| Owner Occupied HU | 1,576 (50.2%) |
| Renter Occupied HU | 532 (17.0%) |
| Vacant Housing Units | 1,030 (32.8%) |
| Median Home Value | $215,183 |
| Average Home Value | $266,413 |
Housing Distribution
Address Breakdown
Residential
2,280
Single Family
2,240
Multi-Family
40
Businesses
167
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 2025
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42629, Jamestown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,138 (100%) |
| Owner Occupied HU | 1,576 (50.2%) |
| Renter Occupied HU | 532 (17.0%) |
| Vacant Housing Units | 1,030 (32.8%) |
| Median Home Value | $215,183 |
| Average Home Value | $266,413 |
Housing Distribution
Address Breakdown
Residential
2,280
Single Family
2,240
Multi-Family
40
Businesses
167
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices