458 S Highway 3LouisaKY41230
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 458 S Highway 3, Louisa, KY, 41230 in Louisa hard to pass up. The 12.86% gross yield on a $155,700 purchase results in $1,668/mo in rent and $720/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.38). Annual cash flow of $8,645, five-year appreciation of $43,017, and $1,434/yr in equity build-up combine for a projected total cumulative return of $105,356.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 8.0% |
| Monthly Cash Flow | $720 | $1,200 |
City averages based on Louisa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,668 |
| Total Monthly Debt Service | $886 |
| DSCR Ratio | 1.88x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41230, Louisa, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,603 (100%) |
| Owner Occupied HU | 3,611 (64.4%) |
| Renter Occupied HU | 1,210 (21.6%) |
| Vacant Housing Units | 782 (14.0%) |
| Median Home Value | $138,662 |
| Average Home Value | $166,173 |
Housing Distribution
Address Breakdown
Residential
5,205
Single Family
5,205
Multi-Family
0
Businesses
325
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41230, Louisa, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,603 (100%) |
| Owner Occupied HU | 3,611 (64.4%) |
| Renter Occupied HU | 1,210 (21.6%) |
| Vacant Housing Units | 782 (14.0%) |
| Median Home Value | $138,662 |
| Average Home Value | $166,173 |
Housing Distribution
Address Breakdown
Residential
5,205
Single Family
5,205
Multi-Family
0
Businesses
325
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices