4813 Matthew CtLexingtonKY40514
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 4813 Matthew Ct, Lexington, KY, 40514 in Lexington worth modelling. At $549,900 with a 7.37% gross yield, the $3,433/mo rent leaves $25/mo after the $2,473/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.39 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $151,927 by year five; $5,065/yr in principal reduction adds further equity. Total projected return: $213,441.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.2% |
| Monthly Cash Flow | $25 | $385 |
City averages based on Lexington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,433 |
| Total Monthly Debt Service | $3,134 |
| DSCR Ratio | 1.10x |
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 1989
0.35 Acres lot
$N/A/sqft
$75 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40514, Lexington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,690 (100%) |
| Owner Occupied HU | 4,981 (74.5%) |
| Renter Occupied HU | 1,523 (22.8%) |
| Vacant Housing Units | 186 ( 2.8%) |
| Median Home Value | $318,637 |
| Average Home Value | $355,400 |
Housing Distribution
Address Breakdown
Residential
6,661
Single Family
6,172
Multi-Family
489
Businesses
71
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 1989
0.35 Acres lot
$N/A/sqft
$75 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40514, Lexington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,690 (100%) |
| Owner Occupied HU | 4,981 (74.5%) |
| Renter Occupied HU | 1,523 (22.8%) |
| Vacant Housing Units | 186 ( 2.8%) |
| Median Home Value | $318,637 |
| Average Home Value | $355,400 |
Housing Distribution
Address Breakdown
Residential
6,661
Single Family
6,172
Multi-Family
489
Businesses
71
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Diana K Lashley • Pacesetters Real Estate
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25007668
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.