144 Mill Creek DrYoungstownOH44512
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 144 Mill Creek Dr, Youngstown, OH, 44512 in Youngstown at $314,000. Rental yield 6.88%. The 6.88% yield and 1.27 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $86,752 by year five, and $2,892/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $102,545.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 9.2% |
| Monthly Cash Flow | $(265) | $450 |
City averages based on Youngstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,800 |
| Total Monthly Debt Service | $1,941 |
| DSCR Ratio | 0.93x |
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 1950
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 44512, Youngstown, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,506 (100%) |
| Owner Occupied HU | 10,292 (62.4%) |
| Renter Occupied HU | 4,960 (30.0%) |
| Vacant Housing Units | 1,254 ( 7.6%) |
| Median Home Value | $171,856 |
| Average Home Value | $201,679 |
Housing Distribution
Address Breakdown
Residential
15,574
Single Family
13,151
Multi-Family
2,423
Businesses
1,821
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 1950
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 44512, Youngstown, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,506 (100%) |
| Owner Occupied HU | 10,292 (62.4%) |
| Renter Occupied HU | 4,960 (30.0%) |
| Vacant Housing Units | 1,254 ( 7.6%) |
| Median Home Value | $171,856 |
| Average Home Value | $201,679 |
Housing Distribution
Address Breakdown
Residential
15,574
Single Family
13,151
Multi-Family
2,423
Businesses
1,821
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathleen C Morell • Howard Hanna
Mls Name: MLS Now
Mls ID: #5195206