906 Johnson LnSouth ShoreKY41175
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.97% gross rental yield, 906 Johnson Ln, South Shore, KY, 41175 in South Shore is priced for capital growth, not immediate cash flow. The $288,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $79,818 by year five, with $2,661/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.11) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $88,807.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 8.0% |
| Monthly Cash Flow | $(321) | $350 |
City averages based on South Shore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,438 |
| Total Monthly Debt Service | $1,643 |
| DSCR Ratio | 0.88x |
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 2011
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41175, South Shore, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,511 (100%) |
| Owner Occupied HU | 1,726 (68.7%) |
| Renter Occupied HU | 483 (19.2%) |
| Vacant Housing Units | 302 (12.0%) |
| Median Home Value | $129,882 |
| Average Home Value | $152,598 |
Housing Distribution
Address Breakdown
Residential
2,248
Single Family
2,248
Multi-Family
0
Businesses
98
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 2011
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41175, South Shore, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,511 (100%) |
| Owner Occupied HU | 1,726 (68.7%) |
| Renter Occupied HU | 483 (19.2%) |
| Vacant Housing Units | 302 (12.0%) |
| Median Home Value | $129,882 |
| Average Home Value | $152,598 |
Housing Distribution
Address Breakdown
Residential
2,248
Single Family
2,248
Multi-Family
0
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices