442 N Phillips RdHarrodOH45850
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder442 N Phillips Rd, Harrod, OH, 45850 in Harrod is a stable, well-positioned rental at $318,900. Rental yield 7.21%. DSCR 1.34 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $88,106 in value and $2,937/yr in principal paydown builds equity, a total projected return of $109,746.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $(182) | $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 | $1,915 |
| Total Monthly Debt Service | $1,971 |
| DSCR Ratio | 0.97x |
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 1992
8.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45850, Harrod, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,471 (100%) |
| Owner Occupied HU | 1,188 (80.8%) |
| Renter Occupied HU | 167 (11.4%) |
| Vacant Housing Units | 116 ( 7.9%) |
| Median Home Value | $208,710 |
| Average Home Value | $235,793 |
Housing Distribution
Address Breakdown
Residential
1,441
Single Family
1,441
Multi-Family
0
Businesses
40
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 1992
8.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45850, Harrod, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,471 (100%) |
| Owner Occupied HU | 1,188 (80.8%) |
| Renter Occupied HU | 167 (11.4%) |
| Vacant Housing Units | 116 ( 7.9%) |
| Median Home Value | $208,710 |
| Average Home Value | $235,793 |
Housing Distribution
Address Breakdown
Residential
1,441
Single Family
1,441
Multi-Family
0
Businesses
40
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices