12 115th AveClaytonWI54004
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 12 115th Ave, Clayton, WI, 54004 in Clayton hard to pass up. The 12.11% gross yield on a $359,900 purchase results in $3,632/mo in rent and $1,217/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.24). Annual cash flow of $14,605, five-year appreciation of $99,434, and $3,315/yr in equity build-up combine for a projected total cumulative return of $215,646.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.1% | 6.2% |
| Monthly Cash Flow | $1,217 | $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 | $3,632 |
| Total Monthly Debt Service | $2,272 |
| DSCR Ratio | 1.60x |
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 1994
14.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54004, Clayton, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,076 (100%) |
| Owner Occupied HU | 769 (71.5%) |
| Renter Occupied HU | 172 (16.0%) |
| Vacant Housing Units | 135 (12.5%) |
| Median Home Value | $292,500 |
| Average Home Value | $327,760 |
Housing Distribution
Address Breakdown
Residential
912
Single Family
894
Multi-Family
18
Businesses
43
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 1994
14.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54004, Clayton, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,076 (100%) |
| Owner Occupied HU | 769 (71.5%) |
| Renter Occupied HU | 172 (16.0%) |
| Vacant Housing Units | 135 (12.5%) |
| Median Home Value | $292,500 |
| Average Home Value | $327,760 |
Housing Distribution
Address Breakdown
Residential
912
Single Family
894
Multi-Family
18
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices