Cumberland Plan, Discovery PointShelbyvilleKY40065
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, Cumberland Plan, Discovery Point, Shelbyville, KY, 40065 in Shelbyville deserves attention. This $361,990 property earns $3,528/mo in rent, a 11.7% gross yield, and nets $1,325/mo after the $1,628/mo payment. DSCR 2.17 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $100,011 compounds alongside $3,334/yr in yearly equity build, for a total cumulative return of $222,344.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.8% |
| Monthly Cash Flow | $1,325 | $350 |
City averages based on Shelbyville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,528 |
| Total Monthly Debt Service | $2,059 |
| DSCR Ratio | 1.71x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40065, Shelbyville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,740 (100%) |
| Owner Occupied HU | 8,833 (64.3%) |
| Renter Occupied HU | 4,231 (30.8%) |
| Vacant Housing Units | 676 ( 4.9%) |
| Median Home Value | $270,830 |
| Average Home Value | $326,328 |
Housing Distribution
Address Breakdown
Residential
13,320
Single Family
13,219
Multi-Family
101
Businesses
847
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 40065, Shelbyville, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,740 (100%) |
| Owner Occupied HU | 8,833 (64.3%) |
| Renter Occupied HU | 4,231 (30.8%) |
| Vacant Housing Units | 676 ( 4.9%) |
| Median Home Value | $270,830 |
| Average Home Value | $326,328 |
Housing Distribution
Address Breakdown
Residential
13,320
Single Family
13,219
Multi-Family
101
Businesses
847
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Fischer Homes
Mls Name: Fischer Homes
Mls Provider:
Mls ID: #N/A