5983 Hardyville RdHardyvilleKY42746
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow5983 Hardyville Rd, Hardyville, KY, 42746 in Hardyville is a solid income-producing rental, 11.26% gross yield, $1,295/mo rent, $455/mo net cash flow on a $138,000 buy. DSCR 2.09 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $38,127 and $1,271/yr in principal reduction project a total cumulative return of $81,544.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.0% |
| Monthly Cash Flow | $455 | $450 |
City averages based on Hardyville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,295 |
| Total Monthly Debt Service | $785 |
| DSCR Ratio | 1.65x |
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 1940
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42746, Hardyville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 815 (100%) |
| Owner Occupied HU | 594 (72.9%) |
| Renter Occupied HU | 144 (17.7%) |
| Vacant Housing Units | 77 ( 9.4%) |
| Median Home Value | $149,306 |
| Average Home Value | $167,584 |
Housing Distribution
Address Breakdown
Residential
810
Single Family
810
Multi-Family
0
Businesses
27
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 1940
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42746, Hardyville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 815 (100%) |
| Owner Occupied HU | 594 (72.9%) |
| Renter Occupied HU | 144 (17.7%) |
| Vacant Housing Units | 77 ( 9.4%) |
| Median Home Value | $149,306 |
| Average Home Value | $167,584 |
Housing Distribution
Address Breakdown
Residential
810
Single Family
810
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices