3524 E 139th StClevelandOH44120
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3524 E 139th St, Cleveland, OH, 44120 in Cleveland at $115,000 earns $884/mo in rent and nets $128/mo after the $517/mo payment, a 9.22% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $31,772 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $1,059/yr in principal paydown, total projected return reaches $52,043.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 8.5% |
| Monthly Cash Flow | $128 | $450 |
City averages based on Cleveland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $884 |
| Total Monthly Debt Service | $711 |
| DSCR Ratio | 1.24x |
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 1915
8,999 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 44120, Cleveland, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,212 (100%) |
| Owner Occupied HU | 7,049 (34.9%) |
| Renter Occupied HU | 9,502 (47.0%) |
| Vacant Housing Units | 3,661 (18.1%) |
| Median Home Value | $200,216 |
| Average Home Value | $268,976 |
Housing Distribution
Address Breakdown
Residential
16,292
Single Family
11,168
Multi-Family
5,124
Businesses
826
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 1915
8,999 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 44120, Cleveland, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,212 (100%) |
| Owner Occupied HU | 7,049 (34.9%) |
| Renter Occupied HU | 9,502 (47.0%) |
| Vacant Housing Units | 3,661 (18.1%) |
| Median Home Value | $200,216 |
| Average Home Value | $268,976 |
Housing Distribution
Address Breakdown
Residential
16,292
Single Family
11,168
Multi-Family
5,124
Businesses
826
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices