400 E 80th DrColumbiaKY42728
INVESTMENT ANALYSIS
Investment Verdict
Solid Income400 E 80th Dr, Columbia, KY, 42728 in Columbia is a solid income-producing rental, 9.74% gross yield, $1,096/mo rent, $274/mo net cash flow on a $135,000 buy. DSCR 1.81 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $37,298 and $1,243/yr in principal reduction project a total cumulative return of $68,834.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 7.0% |
| Monthly Cash Flow | $274 | $150 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,096 |
| Total Monthly Debt Service | $768 |
| DSCR Ratio | 1.43x |
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 1970
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42728, Columbia, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,454 (100%) |
| Owner Occupied HU | 4,718 (63.3%) |
| Renter Occupied HU | 1,706 (22.9%) |
| Vacant Housing Units | 1,030 (13.8%) |
| Median Home Value | $174,555 |
| Average Home Value | $209,118 |
Housing Distribution
Address Breakdown
Residential
6,845
Single Family
6,845
Multi-Family
0
Businesses
658
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 1970
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42728, Columbia, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,454 (100%) |
| Owner Occupied HU | 4,718 (63.3%) |
| Renter Occupied HU | 1,706 (22.9%) |
| Vacant Housing Units | 1,030 (13.8%) |
| Median Home Value | $174,555 |
| Average Home Value | $209,118 |
Housing Distribution
Address Breakdown
Residential
6,845
Single Family
6,845
Multi-Family
0
Businesses
658
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
