3686 River RdCincinnatiOH45204
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3686 River Rd, Cincinnati, OH, 45204 in Cincinnati speaks for itself: 13.56% gross on a $180,000 price, generating $2,034/mo in rent and $850/mo in net income after the $809/mo debt service. DSCR 2.51, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,200 stacks alongside $49,731 in projected five-year appreciation and $1,658/yr in principal reduction. Projected total cumulative return: $123,271.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.6% | 6.8% |
| Monthly Cash Flow | $850 | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,034 |
| Total Monthly Debt Service | $1,112 |
| DSCR Ratio | 1.83x |
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 1937
6,446 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45204, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,042 (100%) |
| Owner Occupied HU | 958 (31.5%) |
| Renter Occupied HU | 1,505 (49.5%) |
| Vacant Housing Units | 579 (19.0%) |
| Median Home Value | $164,783 |
| Average Home Value | $217,028 |
Housing Distribution
Address Breakdown
Residential
2,790
Single Family
1,686
Multi-Family
1,104
Businesses
136
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 1937
6,446 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45204, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,042 (100%) |
| Owner Occupied HU | 958 (31.5%) |
| Renter Occupied HU | 1,505 (49.5%) |
| Vacant Housing Units | 579 (19.0%) |
| Median Home Value | $164,783 |
| Average Home Value | $217,028 |
Housing Distribution
Address Breakdown
Residential
2,790
Single Family
1,686
Multi-Family
1,104
Businesses
136
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices