122 Oakwood AvePortsmouthOH45663
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 122 Oakwood Ave, Portsmouth, OH, 45663 in Portsmouth is capital appreciation. Rental yield 3.03%. The 3.03% gross yield at $529,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $146,153 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.56) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $63,598.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.2% |
| Monthly Cash Flow | $(2,143) | $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 | $1,337 |
| Total Monthly Debt Service | $3,269 |
| DSCR Ratio | 0.41x |
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.
Single Family
Built in 1985
2.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45663, West Portsmouth, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,950 (100%) |
| Owner Occupied HU | 1,904 (64.5%) |
| Renter Occupied HU | 650 (22.0%) |
| Vacant Housing Units | 396 (13.4%) |
| Median Home Value | $146,154 |
| Average Home Value | $180,596 |
Housing Distribution
Address Breakdown
Residential
2,705
Single Family
2,705
Multi-Family
0
Businesses
97
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 1985
2.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45663, West Portsmouth, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,950 (100%) |
| Owner Occupied HU | 1,904 (64.5%) |
| Renter Occupied HU | 650 (22.0%) |
| Vacant Housing Units | 396 (13.4%) |
| Median Home Value | $146,154 |
| Average Home Value | $180,596 |
Housing Distribution
Address Breakdown
Residential
2,705
Single Family
2,705
Multi-Family
0
Businesses
97
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Craig DeAtley • CENTURY 21 Empire Realty SE
Mls Name: GPABR
Mls ID: #152690
Disclaimer: Copyright Greater Portsmouth Area Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.