412 Darby Creek Rd APT CLexingtonKY40509
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 412 Darby Creek Rd APT C, Lexington, KY, 40509 in Lexington speaks for itself: 11.71% gross on a $169,500 price, generating $1,654/mo in rent and $522/mo in net income after the $762/mo debt service. DSCR 2.17, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,264 stacks alongside $46,830 in projected five-year appreciation and $1,561/yr in principal reduction. Projected total cumulative return: $98,319.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 5.2% |
| Monthly Cash Flow | $522 | $385 |
City averages based on Lexington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,654 |
| Total Monthly Debt Service | $1,064 |
| DSCR Ratio | 1.55x |
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.
Townhouse
Built in 1984
5,946 sqft lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40509, Lexington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,860 (100%) |
| Owner Occupied HU | 11,449 (54.9%) |
| Renter Occupied HU | 7,813 (37.5%) |
| Vacant Housing Units | 1,598 ( 7.7%) |
| Median Home Value | $368,659 |
| Average Home Value | $416,092 |
Housing Distribution
Address Breakdown
Residential
20,444
Single Family
17,889
Multi-Family
2,555
Businesses
1,544
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 1984
5,946 sqft lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40509, Lexington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,860 (100%) |
| Owner Occupied HU | 11,449 (54.9%) |
| Renter Occupied HU | 7,813 (37.5%) |
| Vacant Housing Units | 1,598 ( 7.7%) |
| Median Home Value | $368,659 |
| Average Home Value | $416,092 |
Housing Distribution
Address Breakdown
Residential
20,444
Single Family
17,889
Multi-Family
2,555
Businesses
1,544
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices