12971 Union RdLaurelvilleOH43135
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 12971 Union Rd, Laurelville, OH, 43135 in Laurelville is capital appreciation. Rental yield 2.68%. The 2.68% gross yield at $275,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $75,977 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.50) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $27,807.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 6.2% |
| Monthly Cash Flow | $(1,196) | $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 | $613 |
| Total Monthly Debt Service | $1,699 |
| DSCR Ratio | 0.36x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43135, Laurelville, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,958 (100%) |
| Owner Occupied HU | 1,357 (69.3%) |
| Renter Occupied HU | 388 (19.8%) |
| Vacant Housing Units | 213 (10.9%) |
| Median Home Value | $232,361 |
| Average Home Value | $264,422 |
Housing Distribution
Address Breakdown
Residential
1,543
Single Family
1,543
Multi-Family
0
Businesses
65
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43135, Laurelville, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,958 (100%) |
| Owner Occupied HU | 1,357 (69.3%) |
| Renter Occupied HU | 388 (19.8%) |
| Vacant Housing Units | 213 (10.9%) |
| Median Home Value | $232,361 |
| Average Home Value | $264,422 |
Housing Distribution
Address Breakdown
Residential
1,543
Single Family
1,543
Multi-Family
0
Businesses
65
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Scioto Valley AOR
Mls ID: #200405