114 Roger StLimaOH45807
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 114 Roger St, Lima, OH, 45807 in Lima. Priced at $200,000, it generates $1,894/mo in gross rent and $578/mo in net monthly cash flow, a 11.36% yield that comfortably supports the 2.11 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,936. Five-year appreciation: $55,256. Equity from principal paydown: $1,842/yr. Total projected cumulative return: $113,447.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 6.8% |
| Monthly Cash Flow | $578 | $520 |
City averages based on Lima market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,894 |
| Total Monthly Debt Service | $1,236 |
| DSCR Ratio | 1.53x |
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.
Single Family
Built in 1958
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45807, Lima, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,914 (100%) |
| Owner Occupied HU | 3,797 (77.3%) |
| Renter Occupied HU | 852 (17.3%) |
| Vacant Housing Units | 265 ( 5.4%) |
| Median Home Value | $237,870 |
| Average Home Value | $253,151 |
Housing Distribution
Address Breakdown
Residential
5,151
Single Family
4,815
Multi-Family
336
Businesses
287
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
Single Family
Built in 1958
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45807, Lima, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,914 (100%) |
| Owner Occupied HU | 3,797 (77.3%) |
| Renter Occupied HU | 852 (17.3%) |
| Vacant Housing Units | 265 ( 5.4%) |
| Median Home Value | $237,870 |
| Average Home Value | $253,151 |
Housing Distribution
Address Breakdown
Residential
5,151
Single Family
4,815
Multi-Family
336
Businesses
287
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices