4050 Highway 52LorettoKY40037
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.61% gross rental yield, 4050 Highway 52, Loretto, KY, 40037 in Loretto is priced for capital growth, not immediate cash flow. The $314,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $87,001 by year five, with $2,900/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.89) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $77,473.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 7.0% |
| Monthly Cash Flow | $(707) | $800 |
City averages based on Loretto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,267 |
| Total Monthly Debt Service | $1,791 |
| DSCR Ratio | 0.71x |
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 N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40037, Loretto, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,105 (100%) |
| Owner Occupied HU | 858 (77.6%) |
| Renter Occupied HU | 174 (15.7%) |
| Vacant Housing Units | 73 ( 6.6%) |
| Median Home Value | $222,692 |
| Average Home Value | $252,296 |
Housing Distribution
Address Breakdown
Residential
1,246
Single Family
1,246
Multi-Family
0
Businesses
28
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 N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40037, Loretto, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,105 (100%) |
| Owner Occupied HU | 858 (77.6%) |
| Renter Occupied HU | 174 (15.7%) |
| Vacant Housing Units | 73 ( 6.6%) |
| Median Home Value | $222,692 |
| Average Home Value | $252,296 |
Housing Distribution
Address Breakdown
Residential
1,246
Single Family
1,246
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices