4037 S Baker RdLynchburgOH45142
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4037 S Baker Rd, Lynchburg, OH, 45142 in Lynchburg is capital appreciation. Rental yield 1.8%. The 1.8% gross yield at $579,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $159,967 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.32) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $20,551.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.8% | 6.2% |
| Monthly Cash Flow | $(2,939) | $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 | $870 |
| Total Monthly Debt Service | $3,719 |
| DSCR Ratio | 0.23x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2004
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45142, Lynchburg, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,908 (100%) |
| Owner Occupied HU | 1,383 (72.5%) |
| Renter Occupied HU | 380 (19.9%) |
| Vacant Housing Units | 145 ( 7.6%) |
| Median Home Value | $174,830 |
| Average Home Value | $249,890 |
Housing Distribution
Address Breakdown
Residential
1,245
Single Family
1,245
Multi-Family
0
Businesses
9
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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
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