960 Brownsboro RdPendletonKY40055
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 960 Brownsboro Rd, Pendleton, KY, 40055 in Pendleton at $209,900 earns $1,337/mo in rent and nets $59/mo after the $944/mo payment, a 7.64% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $57,992 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $1,933/yr in principal paydown, total projected return reaches $83,314.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 5.0% |
| Monthly Cash Flow | $59 | $400 |
City averages based on Pendleton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,337 |
| Total Monthly Debt Service | $1,194 |
| DSCR Ratio | 1.12x |
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
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40055, Pendleton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 848 (100%) |
| Owner Occupied HU | 711 (83.8%) |
| Renter Occupied HU | 98 (11.6%) |
| Vacant Housing Units | 39 ( 4.6%) |
| Median Home Value | $241,987 |
| Average Home Value | $301,269 |
Housing Distribution
Address Breakdown
Residential
797
Single Family
797
Multi-Family
0
Businesses
42
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
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40055, Pendleton, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 848 (100%) |
| Owner Occupied HU | 711 (83.8%) |
| Renter Occupied HU | 98 (11.6%) |
| Vacant Housing Units | 39 ( 4.6%) |
| Median Home Value | $241,987 |
| Average Home Value | $301,269 |
Housing Distribution
Address Breakdown
Residential
797
Single Family
797
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices