5054 Irwin WayShelbyvilleKY40065
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 5054 Irwin Way, Shelbyville, KY, 40065 in Shelbyville earns a 9.38% gross yield at $307,000. Rent of $2,400/mo nets $532/mo after the $1,380/mo mortgage. The 1.74 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $84,818 and $2,828/yr in equity accumulation project a total cumulative return of $150,551.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.8% |
| Monthly Cash Flow | $532 | $350 |
City averages based on Shelbyville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $1,746 |
| DSCR Ratio | 1.37x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40065, Shelbyville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,740 (100%) |
| Owner Occupied HU | 8,833 (64.3%) |
| Renter Occupied HU | 4,231 (30.8%) |
| Vacant Housing Units | 676 ( 4.9%) |
| Median Home Value | $270,830 |
| Average Home Value | $326,328 |
Housing Distribution
Address Breakdown
Residential
13,320
Single Family
13,219
Multi-Family
101
Businesses
847
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40065, Shelbyville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,740 (100%) |
| Owner Occupied HU | 8,833 (64.3%) |
| Renter Occupied HU | 4,231 (30.8%) |
| Vacant Housing Units | 676 ( 4.9%) |
| Median Home Value | $270,830 |
| Average Home Value | $326,328 |
Housing Distribution
Address Breakdown
Residential
13,320
Single Family
13,219
Multi-Family
101
Businesses
847
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Arbor Homes
Mls Provider:
Mls ID: #N/A