4039 Livingston LnLexingtonKY40515
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 4039 Livingston Ln, Lexington, KY, 40515 in Lexington is a conservative rental investment at $819,900. Rental yield 6.24%. A 1.16 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $226,523; $7,551/yr in principal paydown supplements. Total projected return: $247,694.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 5.2% |
| Monthly Cash Flow | $(994) | $385 |
City averages based on Lexington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,262 |
| Total Monthly Debt Service | $4,931 |
| DSCR Ratio | 0.86x |
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.
Townhouse
Built in 2021
0.25 Acres lot
$N/A/sqft
$3,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40515, Lexington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,155 (100%) |
| Owner Occupied HU | 9,894 (61.2%) |
| Renter Occupied HU | 5,514 (34.1%) |
| Vacant Housing Units | 747 ( 4.6%) |
| Median Home Value | $336,014 |
| Average Home Value | $391,923 |
Housing Distribution
Address Breakdown
Residential
16,067
Single Family
13,416
Multi-Family
2,651
Businesses
172
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
Townhouse
Built in 2021
0.25 Acres lot
$N/A/sqft
$3,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40515, Lexington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,155 (100%) |
| Owner Occupied HU | 9,894 (61.2%) |
| Renter Occupied HU | 5,514 (34.1%) |
| Vacant Housing Units | 747 ( 4.6%) |
| Median Home Value | $336,014 |
| Average Home Value | $391,923 |
Housing Distribution
Address Breakdown
Residential
16,067
Single Family
13,416
Multi-Family
2,651
Businesses
172
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices