420 Beech StUrbanaOH43078
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 420 Beech St, Urbana, OH, 43078 in Urbana. Priced at $110,000, it generates $2,311/mo in gross rent and $1,588/mo in net monthly cash flow, a 25.21% yield that comfortably supports the 4.67 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $19,052. Five-year appreciation: $30,391. Equity from principal paydown: $1,013/yr. Total projected cumulative return: $144,037.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 25.2% | 6.2% |
| Monthly Cash Flow | $1,588 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,311 |
| Total Monthly Debt Service | $680 |
| DSCR Ratio | 3.40x |
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 1965
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43078, Urbana, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,456 (100%) |
| Owner Occupied HU | 6,238 (66.0%) |
| Renter Occupied HU | 2,505 (26.5%) |
| Vacant Housing Units | 713 ( 7.5%) |
| Median Home Value | $200,871 |
| Average Home Value | $247,874 |
Housing Distribution
Address Breakdown
Residential
8,838
Single Family
8,342
Multi-Family
496
Businesses
679
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 1965
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43078, Urbana, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,456 (100%) |
| Owner Occupied HU | 6,238 (66.0%) |
| Renter Occupied HU | 2,505 (26.5%) |
| Vacant Housing Units | 713 ( 7.5%) |
| Median Home Value | $200,871 |
| Average Home Value | $247,874 |
Housing Distribution
Address Breakdown
Residential
8,838
Single Family
8,342
Multi-Family
496
Businesses
679
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristin M. Freyhof • Champaign Realty
Mls Name: WRIST
Mls Provider:
Mls ID: #1039228
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.