12027 Derby RdGarfield HeightsOH44125
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Garfield Heights rental at 12027 Derby Rd, Garfield Heights, OH, 44125 sits in the solid-income band: 10.83% gross yield, $1,620/mo rent, $439/mo net after the $807/mo debt service, DSCR 2.01. Entry price of $179,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $49,593 and $1,653/yr in principal reduction bring total cumulative return to $96,647.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $439 | $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 | $1,620 |
| Total Monthly Debt Service | $1,109 |
| DSCR Ratio | 1.46x |
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 1950
4,800 sqft lot
$N/A/sqft
No HOA
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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
Single Family
Built in 1950
4,800 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sarah Kutz • Howard Hanna
Mls Name: MLS Now
Mls ID: #5183631