108 W Vine St #106OxfordOH45056
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 108 W Vine St #106, Oxford, OH, 45056 in Oxford earns a 9.25% gross yield at $649,900. Rent of $5,010/mo nets $735/mo after the $2,922/mo mortgage. The 1.71 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $179,555 and $5,986/yr in equity accumulation project a total cumulative return of $294,842.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $735 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $5,010 |
| Total Monthly Debt Service | $4,016 |
| DSCR Ratio | 1.25x |
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.
Multi Family
Built in 1909
3,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45056, Oxford, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,875 (100%) |
| Owner Occupied HU | 4,045 (41.0%) |
| Renter Occupied HU | 4,874 (49.4%) |
| Vacant Housing Units | 956 ( 9.7%) |
| Median Home Value | $362,957 |
| Average Home Value | $386,809 |
Housing Distribution
Address Breakdown
Residential
9,382
Single Family
7,122
Multi-Family
2,260
Businesses
587
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
Multi Family
Built in 1909
3,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45056, Oxford, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,875 (100%) |
| Owner Occupied HU | 4,045 (41.0%) |
| Renter Occupied HU | 4,874 (49.4%) |
| Vacant Housing Units | 956 ( 9.7%) |
| Median Home Value | $362,957 |
| Average Home Value | $386,809 |
Housing Distribution
Address Breakdown
Residential
9,382
Single Family
7,122
Multi-Family
2,260
Businesses
587
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices