612 N Upper StLexingtonKY40508
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 612 N Upper St, Lexington, KY, 40508 in Lexington hard to pass up. The 11.1% gross yield on a $175,000 purchase results in $1,619/mo in rent and $554/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.95). Annual cash flow of $6,645, five-year appreciation of $48,349, and $1,467/yr in equity build-up combine for a projected total cumulative return of $98,639.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 5.2% |
| Monthly Cash Flow | $554 | $385 |
City averages based on Lexington market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,619 |
| Total Monthly Debt Service | $1,038 |
| DSCR Ratio | 1.56x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1900
3,615 sqft lot
$N/A/sqft
No HOA
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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
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