HARMONY Plan, Arbor ViewEminenceKY40019
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, HARMONY Plan, Arbor View, Eminence, KY, 40019 in Eminence earns a 9.9% gross yield at $272,900. Rent of $2,251/mo nets $590/mo after the $1,227/mo mortgage. The 1.83 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $75,397 and $2,513/yr in equity accumulation project a total cumulative return of $141,345.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 5.8% |
| Monthly Cash Flow | $590 | $350 |
City averages based on Eminence market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,251 |
| Total Monthly Debt Service | $1,552 |
| DSCR Ratio | 1.45x |
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: 40019, Eminence, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,728 (100%) |
| Owner Occupied HU | 1,084 (62.7%) |
| Renter Occupied HU | 569 (32.9%) |
| Vacant Housing Units | 75 ( 4.3%) |
| Median Home Value | $205,587 |
| Average Home Value | $251,402 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,685
Multi-Family
2
Businesses
118
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: 40019, Eminence, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,728 (100%) |
| Owner Occupied HU | 1,084 (62.7%) |
| Renter Occupied HU | 569 (32.9%) |
| Vacant Housing Units | 75 ( 4.3%) |
| Median Home Value | $205,587 |
| Average Home Value | $251,402 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,685
Multi-Family
2
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
