4405 Biltmore PlLexingtonKY40515
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 4405 Biltmore Pl, Lexington, KY, 40515 in Lexington is narrow, $17/mo net on $3,381/mo rent after the $2,923/mo debt service, but the property operates at break-even-plus, not a loss. At $650,000 with a 7.4% yield, the long-run equity case via 5% appreciation ($179,583 over five years) and $5,987/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.16 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $207,035.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.2% |
| Monthly Cash Flow | $17 | $385 |
City averages based on Lexington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,381 |
| Total Monthly Debt Service | $3,733 |
| DSCR Ratio | 0.91x |
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 2007
0.28 Acres lot
$N/A/sqft
$425 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
Single Family
Built in 2007
0.28 Acres lot
$N/A/sqft
$425 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
Listed by: Matt Metts • Lexhomes Real Estate
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25011196
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.