1121 S Oneida StAppletonWI54915
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 1121 S Oneida St, Appleton, WI, 54915 in Appleton the bet is firmly on appreciation. Rental yield 4.13%. The 4.13% gross yield on a $337,500 price is below income-first thresholds, but 5%/yr value growth projects $93,245 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.73) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $51,409.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.5% |
| Monthly Cash Flow | $(1,407) | $450 |
City averages based on Appleton market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,162 |
| Total Monthly Debt Service | $2,213 |
| DSCR Ratio | 0.53x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1982
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54915, Appleton, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,869 (100%) |
| Owner Occupied HU | 12,173 (68.1%) |
| Renter Occupied HU | 5,238 (29.3%) |
| Vacant Housing Units | 458 ( 2.6%) |
| Median Home Value | $271,850 |
| Average Home Value | $300,665 |
Housing Distribution
Address Breakdown
Residential
17,888
Single Family
15,218
Multi-Family
2,670
Businesses
678
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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
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