145 E Fountain AveCincinnatiOH45246
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 145 E Fountain Ave, Cincinnati, OH, 45246 in Cincinnati is capital appreciation. Rental yield 4.15%. The 4.15% gross yield at $789,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $217,986 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.77) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $142,207.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.8% |
| Monthly Cash Flow | $(2,460) | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,730 |
| Total Monthly Debt Service | $4,876 |
| DSCR Ratio | 0.56x |
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 1939
1.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45246, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,207 (100%) |
| Owner Occupied HU | 3,498 (48.5%) |
| Renter Occupied HU | 3,202 (44.4%) |
| Vacant Housing Units | 507 ( 7.0%) |
| Median Home Value | $227,379 |
| Average Home Value | $280,407 |
Housing Distribution
Address Breakdown
Residential
7,076
Single Family
5,502
Multi-Family
1,574
Businesses
1,536
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 1939
1.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45246, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,207 (100%) |
| Owner Occupied HU | 3,498 (48.5%) |
| Renter Occupied HU | 3,202 (44.4%) |
| Vacant Housing Units | 507 ( 7.0%) |
| Median Home Value | $227,379 |
| Average Home Value | $280,407 |
Housing Distribution
Address Breakdown
Residential
7,076
Single Family
5,502
Multi-Family
1,574
Businesses
1,536
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sue S Lewis • Sibcy Cline, Inc.
Mls Name: Cincy MLS
Mls ID: #1854139