4438 Schulte DrCincinnatiOH45205
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4438 Schulte Dr, Cincinnati, OH, 45205 in Cincinnati at $154,900 earns $1,203/mo in rent and nets $184/mo after the $697/mo payment, a 9.32% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $42,796 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $1,427/yr in principal paydown, total projected return reaches $70,857.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.8% |
| Monthly Cash Flow | $184 | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,203 |
| Total Monthly Debt Service | $957 |
| DSCR Ratio | 1.26x |
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 1954
7,971 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45205, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,822 (100%) |
| Owner Occupied HU | 2,474 (28.0%) |
| Renter Occupied HU | 5,049 (57.2%) |
| Vacant Housing Units | 1,299 (14.7%) |
| Median Home Value | $116,860 |
| Average Home Value | $194,266 |
Housing Distribution
Address Breakdown
Residential
7,602
Single Family
5,860
Multi-Family
1,742
Businesses
264
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 1954
7,971 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45205, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,822 (100%) |
| Owner Occupied HU | 2,474 (28.0%) |
| Renter Occupied HU | 5,049 (57.2%) |
| Vacant Housing Units | 1,299 (14.7%) |
| Median Home Value | $116,860 |
| Average Home Value | $194,266 |
Housing Distribution
Address Breakdown
Residential
7,602
Single Family
5,860
Multi-Family
1,742
Businesses
264
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Cincy MLS
Mls ID: #1873483