414 STATE ROAD 26OshkoshWI54904
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 414 STATE ROAD 26, Oshkosh, WI, 54904 in Oshkosh is capital appreciation. Rental yield 4.63%. The 4.63% gross yield at $674,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $186,462 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.86) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $133,456.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.9% |
| Monthly Cash Flow | $(1,927) | $450 |
City averages based on Oshkosh market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,603 |
| Total Monthly Debt Service | $4,261 |
| DSCR Ratio | 0.61x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1941
40.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54904, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,885 (100%) |
| Owner Occupied HU | 7,158 (72.4%) |
| Renter Occupied HU | 2,419 (24.5%) |
| Vacant Housing Units | 308 ( 3.1%) |
| Median Home Value | $304,839 |
| Average Home Value | $339,326 |
Housing Distribution
Address Breakdown
Residential
9,898
Single Family
8,420
Multi-Family
1,478
Businesses
574
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 1941
40.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54904, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,885 (100%) |
| Owner Occupied HU | 7,158 (72.4%) |
| Renter Occupied HU | 2,419 (24.5%) |
| Vacant Housing Units | 308 ( 3.1%) |
| Median Home Value | $304,839 |
| Average Home Value | $339,326 |
Housing Distribution
Address Breakdown
Residential
9,898
Single Family
8,420
Multi-Family
1,478
Businesses
574
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chris Miller • Acre Realty, Ltd.
Mls Name: WIREX MLS
Mls Provider:
Mls ID: #50306805
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.