4604 Red Hill RdLivingstonKY40445
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.24% gross rental yield, 4604 Red Hill Rd, Livingston, KY, 40445 in Livingston is priced for capital growth, not immediate cash flow. The $864,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $238,707 by year five, with $7,958/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.41) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $92,411.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.2% | 7.5% |
| Monthly Cash Flow | $(3,649) | $200 |
City averages based on Livingston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,609 |
| Total Monthly Debt Service | $4,915 |
| DSCR Ratio | 0.33x |
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 2020
34.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40445, Livingston, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 315 (100%) |
| Owner Occupied HU | 217 (68.9%) |
| Renter Occupied HU | 49 (15.6%) |
| Vacant Housing Units | 49 (15.6%) |
| Median Home Value | $105,682 |
| Average Home Value | $119,574 |
Housing Distribution
Address Breakdown
Residential
273
Single Family
273
Multi-Family
0
Businesses
13
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 2020
34.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40445, Livingston, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 315 (100%) |
| Owner Occupied HU | 217 (68.9%) |
| Renter Occupied HU | 49 (15.6%) |
| Vacant Housing Units | 49 (15.6%) |
| Median Home Value | $105,682 |
| Average Home Value | $119,574 |
Housing Distribution
Address Breakdown
Residential
273
Single Family
273
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices