227 Jack Oak Point RdSaint MarysOH45885
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 227 Jack Oak Point Rd, Saint Marys, OH, 45885 in Saint Marys delivers $1,588/mo in gross rent and $344/mo in net monthly income at a $189,000 entry. The 10.08% yield and 1.87 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $52,217 over five years and $1,741/yr in equity from loan paydown, total projected return is $94,175.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $344 | $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 | $1,588 |
| Total Monthly Debt Service | $1,168 |
| 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 1956
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45885, Saint Marys, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,893 (100%) |
| Owner Occupied HU | 3,816 (64.8%) |
| Renter Occupied HU | 1,574 (26.7%) |
| Vacant Housing Units | 503 ( 8.5%) |
| Median Home Value | $189,076 |
| Average Home Value | $220,131 |
Housing Distribution
Address Breakdown
Residential
5,576
Single Family
5,477
Multi-Family
99
Businesses
382
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 1956
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45885, Saint Marys, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,893 (100%) |
| Owner Occupied HU | 3,816 (64.8%) |
| Renter Occupied HU | 1,574 (26.7%) |
| Vacant Housing Units | 503 ( 8.5%) |
| Median Home Value | $189,076 |
| Average Home Value | $220,131 |
Housing Distribution
Address Breakdown
Residential
5,576
Single Family
5,477
Multi-Family
99
Businesses
382
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mary Kay Brown • Closing Time Realty
Mls Name: WRIST
Mls Provider:
Mls ID: #1035120
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.