735 Center StHendersonKY42420
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 735 Center St, Henderson, KY, 42420 in Henderson at $157,000. Rental yield 6.65%. The 6.65% yield and 1.23 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $43,376 by year five, and $1,446/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $53,955.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.2% |
| Monthly Cash Flow | $(86) | $350 |
City averages based on Henderson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $870 |
| Total Monthly Debt Service | $893 |
| DSCR Ratio | 0.97x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1900
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42420, Henderson, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,891 (100%) |
| Owner Occupied HU | 9,402 (55.7%) |
| Renter Occupied HU | 6,001 (35.5%) |
| Vacant Housing Units | 1,488 ( 8.8%) |
| Median Home Value | $184,333 |
| Average Home Value | $221,084 |
Housing Distribution
Address Breakdown
Residential
16,406
Single Family
14,677
Multi-Family
1,729
Businesses
1,037
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 1900
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42420, Henderson, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,891 (100%) |
| Owner Occupied HU | 9,402 (55.7%) |
| Renter Occupied HU | 6,001 (35.5%) |
| Vacant Housing Units | 1,488 ( 8.8%) |
| Median Home Value | $184,333 |
| Average Home Value | $221,084 |
Housing Distribution
Address Breakdown
Residential
16,406
Single Family
14,677
Multi-Family
1,729
Businesses
1,037
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices