4265 Trinity LnPendletonKY40055
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4265 Trinity Ln, Pendleton, KY, 40055 in Pendleton speaks for itself: 10.53% gross on a $289,000 price, generating $2,537/mo in rent and $778/mo in net income after the $1,300/mo debt service. DSCR 1.95, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,335 stacks alongside $79,845 in projected five-year appreciation and $2,662/yr in principal reduction. Projected total cumulative return: $159,520.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 5.0% |
| Monthly Cash Flow | $778 | $400 |
City averages based on Pendleton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,537 |
| Total Monthly Debt Service | $1,644 |
| DSCR Ratio | 1.54x |
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 1993
3.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40055, Pendleton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 848 (100%) |
| Owner Occupied HU | 711 (83.8%) |
| Renter Occupied HU | 98 (11.6%) |
| Vacant Housing Units | 39 ( 4.6%) |
| Median Home Value | $241,987 |
| Average Home Value | $301,269 |
Housing Distribution
Address Breakdown
Residential
797
Single Family
797
Multi-Family
0
Businesses
42
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 1993
3.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40055, Pendleton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 848 (100%) |
| Owner Occupied HU | 711 (83.8%) |
| Renter Occupied HU | 98 (11.6%) |
| Vacant Housing Units | 39 ( 4.6%) |
| Median Home Value | $241,987 |
| Average Home Value | $301,269 |
Housing Distribution
Address Breakdown
Residential
797
Single Family
797
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices