399 Hayes BrLangleyKY41645
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Langley rental at 399 Hayes Br, Langley, KY, 41645 sits in the solid-income band: 9.2% gross yield, $1,495/mo rent, $308/mo net after the $877/mo debt service, DSCR 1.70. Entry price of $195,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $53,875 and $1,796/yr in principal reduction bring total cumulative return to $93,697.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 8.5% |
| Monthly Cash Flow | $308 | $900 |
City averages based on Langley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,495 |
| Total Monthly Debt Service | $1,109 |
| DSCR Ratio | 1.35x |
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 1978
18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41645, Langley, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 572 (100%) |
| Owner Occupied HU | 408 (71.3%) |
| Renter Occupied HU | 112 (19.6%) |
| Vacant Housing Units | 52 ( 9.1%) |
| Median Home Value | $145,000 |
| Average Home Value | $153,260 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
5
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 1978
18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41645, Langley, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 572 (100%) |
| Owner Occupied HU | 408 (71.3%) |
| Renter Occupied HU | 112 (19.6%) |
| Vacant Housing Units | 52 ( 9.1%) |
| Median Home Value | $145,000 |
| Average Home Value | $153,260 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices