475 N Loretto RdLebanonKY40033
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 475 N Loretto Rd, Lebanon, KY, 40033 in Lebanon. Priced at $179,900, it generates $1,742/mo in gross rent and $648/mo in net monthly cash flow, a 11.62% yield that comfortably supports the 2.15 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,770. Five-year appreciation: $49,703. Equity from principal paydown: $1,657/yr. Total projected cumulative return: $109,786.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.5% |
| Monthly Cash Flow | $648 | $350 |
City averages based on Lebanon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,742 |
| Total Monthly Debt Service | $1,023 |
| DSCR Ratio | 1.70x |
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
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40033, Lebanon, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,617 (100%) |
| Owner Occupied HU | 3,542 (63.1%) |
| Renter Occupied HU | 1,722 (30.7%) |
| Vacant Housing Units | 353 ( 6.3%) |
| Median Home Value | $185,778 |
| Average Home Value | $229,809 |
Housing Distribution
Address Breakdown
Residential
5,459
Single Family
5,355
Multi-Family
104
Businesses
476
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
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40033, Lebanon, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,617 (100%) |
| Owner Occupied HU | 3,542 (63.1%) |
| Renter Occupied HU | 1,722 (30.7%) |
| Vacant Housing Units | 353 ( 6.3%) |
| Median Home Value | $185,778 |
| Average Home Value | $229,809 |
Housing Distribution
Address Breakdown
Residential
5,459
Single Family
5,355
Multi-Family
104
Businesses
476
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices