217 Hosea AveCincinnatiOH45220
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.98% gross rental yield, 217 Hosea Ave, Cincinnati, OH, 45220 in Cincinnati is priced for capital growth, not immediate cash flow. The $495,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $136,759 by year five, with $4,559/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.11) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $130,673.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.8% |
| Monthly Cash Flow | $(907) | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,467 |
| Total Monthly Debt Service | $3,177 |
| DSCR Ratio | 0.78x |
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.
Multi Family
Built in 1909
6,664 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45220, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,635 (100%) |
| Owner Occupied HU | 1,718 (22.5%) |
| Renter Occupied HU | 5,041 (66.0%) |
| Vacant Housing Units | 876 (11.5%) |
| Median Home Value | $424,931 |
| Average Home Value | $454,299 |
Housing Distribution
Address Breakdown
Residential
7,404
Single Family
3,102
Multi-Family
4,302
Businesses
255
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
Multi Family
Built in 1909
6,664 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45220, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,635 (100%) |
| Owner Occupied HU | 1,718 (22.5%) |
| Renter Occupied HU | 5,041 (66.0%) |
| Vacant Housing Units | 876 (11.5%) |
| Median Home Value | $424,931 |
| Average Home Value | $454,299 |
Housing Distribution
Address Breakdown
Residential
7,404
Single Family
3,102
Multi-Family
4,302
Businesses
255
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices