4259 Vine StCincinnatiOH45217
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4259 Vine St, Cincinnati, OH, 45217 in Cincinnati is capital appreciation. Rental yield 2.55%. The 2.55% gross yield at $549,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $151,927 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.47) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $51,981.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.8% |
| Monthly Cash Flow | $(2,447) | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,170 |
| Total Monthly Debt Service | $3,398 |
| DSCR Ratio | 0.34x |
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.
Multi Family
Built in 1870
8,537 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45217, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,289 (100%) |
| Owner Occupied HU | 1,625 (49.4%) |
| Renter Occupied HU | 1,355 (41.2%) |
| Vacant Housing Units | 309 ( 9.4%) |
| Median Home Value | $256,143 |
| Average Home Value | $317,374 |
Housing Distribution
Address Breakdown
Residential
2,950
Single Family
2,303
Multi-Family
647
Businesses
214
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
Multi Family
Built in 1870
8,537 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45217, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,289 (100%) |
| Owner Occupied HU | 1,625 (49.4%) |
| Renter Occupied HU | 1,355 (41.2%) |
| Vacant Housing Units | 309 ( 9.4%) |
| Median Home Value | $256,143 |
| Average Home Value | $317,374 |
Housing Distribution
Address Breakdown
Residential
2,950
Single Family
2,303
Multi-Family
647
Businesses
214
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Cincy MLS
Mls ID: #1872483