232 S Lark StOshkoshWI54902
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $259,900, 232 S Lark St, Oshkosh, WI, 54902 in Oshkosh generates $1,834/mo in rent (8.47% yield) but nets only $89/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.57) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $71,806. Total projected return: $104,904.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.9% |
| Monthly Cash Flow | $89 | $450 |
City averages based on Oshkosh market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,834 |
| Total Monthly Debt Service | $1,641 |
| DSCR Ratio | 1.12x |
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 1966
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54902, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,129 (100%) |
| Owner Occupied HU | 6,328 (56.9%) |
| Renter Occupied HU | 4,080 (36.7%) |
| Vacant Housing Units | 721 ( 6.5%) |
| Median Home Value | $190,997 |
| Average Home Value | $241,158 |
Housing Distribution
Address Breakdown
Residential
10,508
Single Family
8,955
Multi-Family
1,553
Businesses
690
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 1966
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54902, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,129 (100%) |
| Owner Occupied HU | 6,328 (56.9%) |
| Renter Occupied HU | 4,080 (36.7%) |
| Vacant Housing Units | 721 ( 6.5%) |
| Median Home Value | $190,997 |
| Average Home Value | $241,158 |
Housing Distribution
Address Breakdown
Residential
10,508
Single Family
8,955
Multi-Family
1,553
Businesses
690
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices