638 Haus BrBannerKY41603
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 638 Haus Br, Banner, KY, 41603 in Banner, $178,000, 8.53% gross yield, $183/mo net income. Consider it a market-entry position, the $1,266/mo rent covers the $800/mo payment with a margin, and 5%/yr appreciation is projected to add $49,178 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.58) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $79,199.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $183 | $350 |
City averages based on Banner market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,266 |
| Total Monthly Debt Service | $1,013 |
| DSCR Ratio | 1.25x |
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 1977
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41603, Banner, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 500 (63.4%) |
| Renter Occupied HU | 162 (20.5%) |
| Vacant Housing Units | 127 (16.1%) |
| Median Home Value | $162,000 |
| Average Home Value | $158,240 |
Housing Distribution
Address Breakdown
Residential
591
Single Family
591
Multi-Family
0
Businesses
4
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 1977
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41603, Banner, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 500 (63.4%) |
| Renter Occupied HU | 162 (20.5%) |
| Vacant Housing Units | 127 (16.1%) |
| Median Home Value | $162,000 |
| Average Home Value | $158,240 |
Housing Distribution
Address Breakdown
Residential
591
Single Family
591
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices