628 Dahlia DrLexingtonKY40511
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 628 Dahlia Dr, Lexington, KY, 40511 in Lexington at $384,062 earns $2,460/mo in rent and nets $123/mo after the $1,727/mo payment, a 7.69% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $106,109 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $3,537/yr in principal paydown, total projected return reaches $153,368.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.2% |
| Monthly Cash Flow | $123 | $385 |
City averages based on Lexington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,460 |
| Total Monthly Debt Service | $2,185 |
| DSCR Ratio | 1.13x |
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 2023
4,704 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40511, Lexington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,474 (100%) |
| Owner Occupied HU | 9,139 (55.5%) |
| Renter Occupied HU | 5,858 (35.6%) |
| Vacant Housing Units | 1,477 ( 9.0%) |
| Median Home Value | $269,131 |
| Average Home Value | $324,136 |
Housing Distribution
Address Breakdown
Residential
16,096
Single Family
13,938
Multi-Family
2,158
Businesses
1,062
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 2023
4,704 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40511, Lexington, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,474 (100%) |
| Owner Occupied HU | 9,139 (55.5%) |
| Renter Occupied HU | 5,858 (35.6%) |
| Vacant Housing Units | 1,477 ( 9.0%) |
| Median Home Value | $269,131 |
| Average Home Value | $324,136 |
Housing Distribution
Address Breakdown
Residential
16,096
Single Family
13,938
Multi-Family
2,158
Businesses
1,062
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices