4305 Mount Vernon RdSaint Regis ParkKY40220
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 4305 Mount Vernon Rd, Saint Regis Park, KY, 40220 in Saint Regis Park is a conservative rental investment at $409,000. Rental yield 6.08%. A 1.13 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $112,999; $3,767/yr in principal paydown supplements. Total projected return: $128,089.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 5.8% |
| Monthly Cash Flow | $(417) | $350 |
City averages based on Saint Regis Park market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,072 |
| Total Monthly Debt Service | $2,327 |
| DSCR Ratio | 0.89x |
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 1955
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40220, Louisville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,103 (100%) |
| Owner Occupied HU | 9,534 (59.2%) |
| Renter Occupied HU | 5,515 (34.2%) |
| Vacant Housing Units | 1,054 ( 6.5%) |
| Median Home Value | $259,893 |
| Average Home Value | $287,329 |
Housing Distribution
Address Breakdown
Residential
15,639
Single Family
12,305
Multi-Family
3,334
Businesses
603
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 1955
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40220, Louisville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,103 (100%) |
| Owner Occupied HU | 9,534 (59.2%) |
| Renter Occupied HU | 5,515 (34.2%) |
| Vacant Housing Units | 1,054 ( 6.5%) |
| Median Home Value | $259,893 |
| Average Home Value | $287,329 |
Housing Distribution
Address Breakdown
Residential
15,639
Single Family
12,305
Multi-Family
3,334
Businesses
603
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A