1322 Otter AveOshkoshWI54901
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 1322 Otter Ave, Oshkosh, WI, 54901 in Oshkosh: $1,600/mo in rent, $351/mo in net income, 10.32% gross yield, 1.91 DSCR, all at $186,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $51,388 in appreciation and $1,713/yr in principal paydown projects total cumulative return of $93,658.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 5.9% |
| Monthly Cash Flow | $351 | $450 |
City averages based on Oshkosh market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,600 |
| Total Monthly Debt Service | $1,174 |
| DSCR Ratio | 1.36x |
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 1920
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54901, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,544 (100%) |
| Owner Occupied HU | 7,127 (45.9%) |
| Renter Occupied HU | 7,240 (46.6%) |
| Vacant Housing Units | 1,177 ( 7.6%) |
| Median Home Value | $200,624 |
| Average Home Value | $275,016 |
Housing Distribution
Address Breakdown
Residential
14,738
Single Family
11,562
Multi-Family
3,176
Businesses
800
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 1920
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54901, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,544 (100%) |
| Owner Occupied HU | 7,127 (45.9%) |
| Renter Occupied HU | 7,240 (46.6%) |
| Vacant Housing Units | 1,177 ( 7.6%) |
| Median Home Value | $200,624 |
| Average Home Value | $275,016 |
Housing Distribution
Address Breakdown
Residential
14,738
Single Family
11,562
Multi-Family
3,176
Businesses
800
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ellen Wright • Century 21 Ace Realty
Mls Name: RANW
Mls ID: #50307815
Disclaimer: Based on information submitted to the MLS GRID as of 2025-10-20 04:43:02 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#256)