401 S Fayette StFayetteOH43521
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 401 S Fayette St, Fayette, OH, 43521 in Fayette speaks for itself: 11.93% gross on a $159,900 price, generating $1,590/mo in rent and $538/mo in net income after the $719/mo debt service. DSCR 2.21, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,458 stacks alongside $44,177 in projected five-year appreciation and $1,473/yr in principal reduction. Projected total cumulative return: $95,551.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.2% |
| Monthly Cash Flow | $538 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,590 |
| Total Monthly Debt Service | $988 |
| DSCR Ratio | 1.61x |
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 1900
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43521, Fayette, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,177 (100%) |
| Owner Occupied HU | 790 (67.1%) |
| Renter Occupied HU | 302 (25.7%) |
| Vacant Housing Units | 85 ( 7.2%) |
| Median Home Value | $127,404 |
| Average Home Value | $169,769 |
Housing Distribution
Address Breakdown
Residential
760
Single Family
760
Multi-Family
0
Businesses
64
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 1900
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43521, Fayette, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,177 (100%) |
| Owner Occupied HU | 790 (67.1%) |
| Renter Occupied HU | 302 (25.7%) |
| Vacant Housing Units | 85 ( 7.2%) |
| Median Home Value | $127,404 |
| Average Home Value | $169,769 |
Housing Distribution
Address Breakdown
Residential
760
Single Family
760
Multi-Family
0
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices