81 Windjammer LoopHardinKY42048
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Hardin rental at 81 Windjammer Loop, Hardin, KY, 42048 sits in the solid-income band: 9.61% gross yield, $1,361/mo rent, $327/mo net after the $764/mo debt service, DSCR 1.78. Entry price of $169,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $46,940 and $1,565/yr in principal reduction bring total cumulative return to $85,419.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.2% |
| Monthly Cash Flow | $327 | $1,200 |
City averages based on Hardin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,361 |
| Total Monthly Debt Service | $966 |
| DSCR Ratio | 1.41x |
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 1940
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42048, Hardin, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,321 (100%) |
| Owner Occupied HU | 801 (60.6%) |
| Renter Occupied HU | 202 (15.3%) |
| Vacant Housing Units | 318 (24.1%) |
| Median Home Value | $128,864 |
| Average Home Value | $170,587 |
Housing Distribution
Address Breakdown
Residential
1,049
Single Family
1,049
Multi-Family
0
Businesses
58
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 1940
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 42048, Hardin, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,321 (100%) |
| Owner Occupied HU | 801 (60.6%) |
| Renter Occupied HU | 202 (15.3%) |
| Vacant Housing Units | 318 (24.1%) |
| Median Home Value | $128,864 |
| Average Home Value | $170,587 |
Housing Distribution
Address Breakdown
Residential
1,049
Single Family
1,049
Multi-Family
0
Businesses
58
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices