454 Elm StLudlowKY41016
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 454 Elm St, Ludlow, KY, 41016 in Ludlow speaks for itself: 14.03% gross on a $135,000 price, generating $1,578/mo in rent and $756/mo in net income after the $607/mo debt service. DSCR 2.60, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,076 stacks alongside $37,298 in projected five-year appreciation and $1,243/yr in principal reduction. Projected total cumulative return: $99,854.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14% | 7.5% |
| Monthly Cash Flow | $756 | $250 |
City averages based on Ludlow market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,578 |
| Total Monthly Debt Service | $768 |
| DSCR Ratio | 2.05x |
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.
Multi Family
Built in N/A
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41016, Covington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,760 (100%) |
| Owner Occupied HU | 1,619 (58.7%) |
| Renter Occupied HU | 863 (31.3%) |
| Vacant Housing Units | 278 (10.1%) |
| Median Home Value | $206,004 |
| Average Home Value | $249,971 |
Housing Distribution
Address Breakdown
Residential
2,605
Single Family
2,549
Multi-Family
56
Businesses
123
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
Multi Family
Built in N/A
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41016, Covington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,760 (100%) |
| Owner Occupied HU | 1,619 (58.7%) |
| Renter Occupied HU | 863 (31.3%) |
| Vacant Housing Units | 278 (10.1%) |
| Median Home Value | $206,004 |
| Average Home Value | $249,971 |
Housing Distribution
Address Breakdown
Residential
2,605
Single Family
2,549
Multi-Family
56
Businesses
123
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices