3725 Gloucester CtLexingtonKY40510
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 3725 Gloucester Ct, Lexington, KY, 40510 in Lexington at $738,900 earns $4,552/mo in rent and nets $55/mo after the $3,323/mo payment, a 7.39% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $204,144 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $6,805/yr in principal paydown, total projected return reaches $283,375.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.2% |
| Monthly Cash Flow | $55 | $385 |
City averages based on Lexington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,552 |
| Total Monthly Debt Service | $4,203 |
| DSCR Ratio | 1.08x |
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 1969
1.60 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 1969
1.60 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