827 Pine Hill Brock RdLondonKY40741
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 827 Pine Hill Brock Rd, London, KY, 40741 in London worth study. Rental yield 2.85%. The 2.85% gross yield is below cash-flow benchmarks at $649,900, but 5% annual appreciation, adding $179,555 over five years, frames this as a capital growth position. Rent of $1,542/mo partially offsets the $2,922/mo payment. Ziffy Mortgage finances appreciation-play properties (0.53 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $90,878.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 7.5% |
| Monthly Cash Flow | $(2,413) | $850 |
City averages based on London market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,542 |
| Total Monthly Debt Service | $3,697 |
| DSCR Ratio | 0.42x |
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 1974
33.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40741, London, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,313 (100%) |
| Owner Occupied HU | 6,421 (62.3%) |
| Renter Occupied HU | 2,983 (28.9%) |
| Vacant Housing Units | 909 ( 8.8%) |
| Median Home Value | $171,848 |
| Average Home Value | $210,766 |
Housing Distribution
Address Breakdown
Residential
9,973
Single Family
9,853
Multi-Family
120
Businesses
1,068
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 1974
33.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40741, London, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,313 (100%) |
| Owner Occupied HU | 6,421 (62.3%) |
| Renter Occupied HU | 2,983 (28.9%) |
| Vacant Housing Units | 909 ( 8.8%) |
| Median Home Value | $171,848 |
| Average Home Value | $210,766 |
Housing Distribution
Address Breakdown
Residential
9,973
Single Family
9,853
Multi-Family
120
Businesses
1,068
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chris Mchargue • Huddleston Real Estate
Mls Name: Imagine MLS
Mls Provider:
Mls ID: #25007960
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.