650 Lombardy DrCeciliaKY42724
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 650 Lombardy Dr, Cecilia, KY, 42724 in Cecilia earns a 8.21% gross yield at $425,000. Rent of $2,908/mo nets $321/mo after the $1,911/mo mortgage. The 1.52 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $117,420 and $3,914/yr in equity accumulation project a total cumulative return of $181,667.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $321 | $400 |
City averages based on Cecilia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,908 |
| Total Monthly Debt Service | $2,418 |
| DSCR Ratio | 1.20x |
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 1990
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42724, Cecilia, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,139 (100%) |
| Owner Occupied HU | 1,726 (80.7%) |
| Renter Occupied HU | 259 (12.1%) |
| Vacant Housing Units | 154 ( 7.2%) |
| Median Home Value | $260,156 |
| Average Home Value | $284,968 |
Housing Distribution
Address Breakdown
Residential
2,083
Single Family
2,083
Multi-Family
0
Businesses
69
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 1990
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42724, Cecilia, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,139 (100%) |
| Owner Occupied HU | 1,726 (80.7%) |
| Renter Occupied HU | 259 (12.1%) |
| Vacant Housing Units | 154 ( 7.2%) |
| Median Home Value | $260,156 |
| Average Home Value | $284,968 |
Housing Distribution
Address Breakdown
Residential
2,083
Single Family
2,083
Multi-Family
0
Businesses
69
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: The Brantingham Group Team • KELLER WILLIAMS HEARTLAND
Mls Name: HKMLS
Mls Provider:
Mls ID: #HK25002531
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.