4154 E 95th StClevelandOH44105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4154 E 95th St, Cleveland, OH, 44105 in Cleveland is narrow, $122/mo net on $813/mo rent after the $472/mo debt service, but the property operates at break-even-plus, not a loss. At $105,000 with a 9.29% yield, the long-run equity case via 5% appreciation ($29,010 over five years) and $967/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.72 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $47,907.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 8.5% |
| Monthly Cash Flow | $122 | $450 |
City averages based on Cleveland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $813 |
| Total Monthly Debt Service | $649 |
| DSCR Ratio | 1.25x |
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 2001
6,046 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 44105, Cleveland, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,565 (100%) |
| Owner Occupied HU | 6,705 (38.2%) |
| Renter Occupied HU | 7,511 (42.8%) |
| Vacant Housing Units | 3,349 (19.1%) |
| Median Home Value | $61,685 |
| Average Home Value | $136,807 |
Housing Distribution
Address Breakdown
Residential
12,835
Single Family
12,265
Multi-Family
570
Businesses
756
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 2001
6,046 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 44105, Cleveland, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,565 (100%) |
| Owner Occupied HU | 6,705 (38.2%) |
| Renter Occupied HU | 7,511 (42.8%) |
| Vacant Housing Units | 3,349 (19.1%) |
| Median Home Value | $61,685 |
| Average Home Value | $136,807 |
Housing Distribution
Address Breakdown
Residential
12,835
Single Family
12,265
Multi-Family
570
Businesses
756
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices