3823 Stites PlCincinnatiOH45226
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3823 Stites Pl, Cincinnati, OH, 45226 in Cincinnati is narrow, $59/mo net on $1,868/mo rent after the $1,237/mo debt service, but the property operates at break-even-plus, not a loss. At $275,000 with a 8.15% yield, the long-run equity case via 5% appreciation ($75,977 over five years) and $2,533/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $108,567.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.8% |
| Monthly Cash Flow | $59 | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,868 |
| Total Monthly Debt Service | $1,699 |
| DSCR Ratio | 1.10x |
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 1922
3,179 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45226, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,210 (100%) |
| Owner Occupied HU | 1,739 (54.2%) |
| Renter Occupied HU | 1,131 (35.2%) |
| Vacant Housing Units | 340 (10.6%) |
| Median Home Value | $499,798 |
| Average Home Value | $596,249 |
Housing Distribution
Address Breakdown
Residential
3,207
Single Family
2,338
Multi-Family
869
Businesses
381
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 1922
3,179 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45226, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,210 (100%) |
| Owner Occupied HU | 1,739 (54.2%) |
| Renter Occupied HU | 1,131 (35.2%) |
| Vacant Housing Units | 340 (10.6%) |
| Median Home Value | $499,798 |
| Average Home Value | $596,249 |
Housing Distribution
Address Breakdown
Residential
3,207
Single Family
2,338
Multi-Family
869
Businesses
381
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Cincy MLS
Mls ID: #1863489