109 W College StScioOH43988
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 109 W College St, Scio, OH, 43988 in Scio is a conservative rental investment at $140,000. Rental yield 7.03%. A 1.30 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $38,679; $1,289/yr in principal paydown supplements. Total projected return: $46,836.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $(101) | $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 | $820 |
| Total Monthly Debt Service | $865 |
| DSCR Ratio | 0.95x |
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.
Multi Family
Built in 1940
5,545 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43988, Scio, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,211 (100%) |
| Owner Occupied HU | 706 (58.3%) |
| Renter Occupied HU | 197 (16.3%) |
| Vacant Housing Units | 308 (25.4%) |
| Median Home Value | $189,375 |
| Average Home Value | $259,653 |
Housing Distribution
Address Breakdown
Residential
1,037
Single Family
993
Multi-Family
44
Businesses
52
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 1940
5,545 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43988, Scio, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,211 (100%) |
| Owner Occupied HU | 706 (58.3%) |
| Renter Occupied HU | 197 (16.3%) |
| Vacant Housing Units | 308 (25.4%) |
| Median Home Value | $189,375 |
| Average Home Value | $259,653 |
Housing Distribution
Address Breakdown
Residential
1,037
Single Family
993
Multi-Family
44
Businesses
52
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices