USDV Capital
Hardin County real estate

Hardin County

Hardin County, Hardin County

Median Home Value

$202,937

+1.7%

Est. Cap Rate

3.0%

Based on rent yield × 65%

Vacancy Rate

28.2%

78% owner-occupied

Population

27K

Median income: $49,149

D
31/100Caution

Investment ScoreHardin County

Composite score based on cap rate, rent yield, affordability, occupancy, and appreciation

Cap Rate3.0%
Rent Yield4.6%
Affordability$202,937
Occupancy71.8%
Appreciation1.7%

Hardin County Investment Analysis

Hardin County (population 27K) offers median home values of $202,937 — positioning it as an affordable entry point for investors. With a 3.0% cap rate, Hardin County is primarily an appreciation play. Investors here are betting on long-term value growth rather than immediate cash flow. Values are stable with 1.7% annual growth, offering predictable returns without overheating risk.

Market Profile
Avg: 42/100
Cash Flow3.0% cap
Appreciation1.7% YoY
Affordability$203K
Occupancy71.8% occ.
Rent Yield4.6%
Employment99.9%
Price vs. Rent Analysis
Price-to-Rent Ratio22.0x
Cash FlowBalancedAppreciation

Appreciation-driven market — growth potential offsets thinner cash flow

Median Home Value

Zillow ZHVI

$202,937
Median Monthly Rent

Zillow ZORI

$770
Annual Rent
$9,240
Gross Rent Yield

Annual rent ÷ home value

4.6%

Market Details

Housing Stock

15K units

Single-family: 12K

Multifamily: 765 (5.1%)

Investment Metrics

Gross Yield 4.6%

Cap Rate 3.0%

Price-to-Rent 22.0 (Favors renting)

Property Tax $666/yr

Demographics

Median Income $49,149

Median Age 45.4

Employment 99.9%

Home Value Trends

1-Year Appreciation +1.7%

3-Year Appreciation +15.4%

5-Year Appreciation +45.8%

Rental Market

$770/mo

Renter population: 22.0%

Lending Status

Not Available

$150K – $10M · Business purpose

Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis

Community Snapshot
Population27K

47/sq mi

Median Income$49,149

$27,876 per capita

Employment99.9%

4.3% unemployment

Occupancy71.8%

22.0% renters

College Educated14.8%
Median Age: 45.415K Housing UnitsMedian Built: 1985

Top Cities in Hardin County

7 cities by population

CityHome Value
SavannahHardin County$189,881View →
CrumpHardin County$163,809View →
SaltilloHardin County$120,430View →
CounceHardin County$276,206View →
MilledgevilleHardin County$149,660View →
Morris ChapelHardin County$185,854View →
ShilohHardin County$138,124View →
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Property Details

$202,937
$100K$2M
25% ($50,734)
15%50%
7.50%
6%10%
$770

Investment Projection

Monthly Cash Flow

-$548

Cash-on-Cash

-13.0%

DSCR Ratio

0.72

Annual Cash Flow

-$6,575

Monthly P&I: $1,064 | Est. Expenses: $254

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Hardin County Investment Report

Comprehensive county market analysis

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Make data-driven investment decisions with our comprehensive county report, including pricing trends, rental yields, and DSCR loan scenarios.

  • Complete market data & demographics
  • 5-year price appreciation trends
  • Rental yield analysis by property type
  • Investment opportunity score
  • Comparable market benchmarks
  • DSCR loan scenario modeling

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Exclusive Guide

Top 10 Cities in Hardin County for DSCR Investment

Our data team analyzed every citie in Hardin County to find the best opportunities for cash-flowing DSCR investments.

Ranked by investment potential score
Includes median prices & rental yields
5-year appreciation forecasts

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Top 10 Cities

Hardin County | DSCR Investment

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Your Real Estate CFO

We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Hardin County deal. Close in 28 days or we pay you $1,000.

$1.3B+

Transactions Advised

42

States Active

28 Days

Or $1,000 Guarantee

Flexible Financing for Every Deal

All products below are eligible for our 28-day close guarantee.

Bridge Loans

Bridge Loans

Short-term financing for acquisitions, refinancing, or repositioning

  • 12-24 month terms
  • Up to 80% LTV
  • Interest-only payments
  • Flexible prepayment
Get Pre-Qualified
Fix & Flip

Fix & Flip

Fast funding for property renovation and resale

  • 6-18 month terms
  • Up to 90% of purchase + rehab
  • Fast closings
  • Interest-only payments
Get Pre-Qualified
Ground-Up Construction

Ground-Up Construction

Financing for new development projects from land to completion

  • 12-36 month terms
  • Up to 90% of costs
  • Progress-based draws
  • Interest-only payments
Get Pre-Qualified
DSCR Rental

DSCR Rental

Long-term financing for single-family rentals and portfolio acquisitions

  • 5-30 year terms
  • Up to 85% LTV
  • Portfolio options
  • No personal income docs
Get Pre-Qualified

Larger Deals

Multifamily & Build-to-Rent

For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.

Multifamily
Up to $50M

Multifamily

Permanent and bridge financing for apartment buildings and complexes — 5 units and up.

  • Up to $50M
  • 5–30 year terms
  • Up to 80% LTV
  • Bridge and permanent options
  • Interest-only available
Schedule a Consultation
Build-to-Rent Communities
Up to $50M

Build-to-Rent Communities

Institutional financing for single-family rental community developments from land to stabilization.

  • Up to $50M
  • Construction through permanent
  • Community-scale underwriting
  • Progress-based draw schedule
  • Custom closing timeline
Schedule a Consultation

Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.

Your Real Estate CFO

We structure, source, and close financing for your investment properties. Let us help you capitalize on Hardin County opportunities.

48-Hour

Term Sheet

$150K-$10M

Loan Range

28-Day

Close Guarantee

$1,000 GUARANTEE

If we can't close in 28 days, we pay you $1,000