3941 Scenic TrlShepherdsvilleKY40165
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3941 Scenic Trl, Shepherdsville, KY, 40165 in Shepherdsville at $399,900, 4.14% gross yield, is a market-growth asset. Rental yield 4.14%. The $1,381/mo rent partially funds the $1,798/mo debt service; the core return is the 5%/yr price growth projected to add $110,485 over five years. Ziffy Mortgage's DSCR mortgage (0.77) 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: $83,737.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 7.2% |
| Monthly Cash Flow | $(1,053) | $450 |
City averages based on Shepherdsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,381 |
| Total Monthly Debt Service | $2,275 |
| DSCR Ratio | 0.61x |
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 1988
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40165, Shepherdsville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,978 (100%) |
| Owner Occupied HU | 11,612 (77.5%) |
| Renter Occupied HU | 2,936 (19.6%) |
| Vacant Housing Units | 430 ( 2.9%) |
| Median Home Value | $292,470 |
| Average Home Value | $301,542 |
Housing Distribution
Address Breakdown
Residential
14,851
Single Family
14,801
Multi-Family
50
Businesses
881
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 1988
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40165, Shepherdsville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,978 (100%) |
| Owner Occupied HU | 11,612 (77.5%) |
| Renter Occupied HU | 2,936 (19.6%) |
| Vacant Housing Units | 430 ( 2.9%) |
| Median Home Value | $292,470 |
| Average Home Value | $301,542 |
Housing Distribution
Address Breakdown
Residential
14,851
Single Family
14,801
Multi-Family
50
Businesses
881
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jamie Reading • RE/MAX Properties East
Mls Name: GLARMLS
Mls ID: #1691463