105 Washington Ave #303OshkoshWI54901
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 105 Washington Ave #303, Oshkosh, WI, 54901 in Oshkosh worth study. Rental yield 5.64%. The 5.64% gross yield is below cash-flow benchmarks at $299,900, but 5% annual appreciation, adding $82,857 over five years, frames this as a capital growth position. Rent of $1,410/mo partially offsets the $1,349/mo payment. Ziffy Mortgage finances appreciation-play properties (1.05 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $60,619.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 5.9% |
| Monthly Cash Flow | $(853) | $450 |
City averages based on Oshkosh market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,410 |
| Total Monthly Debt Service | $2,143 |
| DSCR Ratio | 0.66x |
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.
Condo
Built in 1913
10,018 sqft lot
$N/A/sqft
$250 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54901, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,544 (100%) |
| Owner Occupied HU | 7,127 (45.9%) |
| Renter Occupied HU | 7,240 (46.6%) |
| Vacant Housing Units | 1,177 ( 7.6%) |
| Median Home Value | $200,624 |
| Average Home Value | $275,016 |
Housing Distribution
Address Breakdown
Residential
14,738
Single Family
11,562
Multi-Family
3,176
Businesses
800
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
Condo
Built in 1913
10,018 sqft lot
$N/A/sqft
$250 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54901, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,544 (100%) |
| Owner Occupied HU | 7,127 (45.9%) |
| Renter Occupied HU | 7,240 (46.6%) |
| Vacant Housing Units | 1,177 ( 7.6%) |
| Median Home Value | $200,624 |
| Average Home Value | $275,016 |
Housing Distribution
Address Breakdown
Residential
14,738
Single Family
11,562
Multi-Family
3,176
Businesses
800
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices