214 Scioto StUrbanaOH43078
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 214 Scioto St, Urbana, OH, 43078 in Urbana. Rental yield 7.16%. The 1.33 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $80,094 and $2,670/yr in principal reduction project total return of $99,000.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(177) | $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 | $1,730 |
| Total Monthly Debt Service | $1,792 |
| DSCR Ratio | 0.97x |
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 1900
6,599 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43078, Urbana, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,456 (100%) |
| Owner Occupied HU | 6,238 (66.0%) |
| Renter Occupied HU | 2,505 (26.5%) |
| Vacant Housing Units | 713 ( 7.5%) |
| Median Home Value | $200,871 |
| Average Home Value | $247,874 |
Housing Distribution
Address Breakdown
Residential
8,838
Single Family
8,342
Multi-Family
496
Businesses
679
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 1900
6,599 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43078, Urbana, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,456 (100%) |
| Owner Occupied HU | 6,238 (66.0%) |
| Renter Occupied HU | 2,505 (26.5%) |
| Vacant Housing Units | 713 ( 7.5%) |
| Median Home Value | $200,871 |
| Average Home Value | $247,874 |
Housing Distribution
Address Breakdown
Residential
8,838
Single Family
8,342
Multi-Family
496
Businesses
679
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices