4528 Circle AveCincinnatiOH45232
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingThere's a case for owning boring assets in strong markets. Rental yield 6.02%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $110,485 and $3,683/yr in equity build project total return of $112,081.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.8% |
| Monthly Cash Flow | $(625) | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,005 |
| Total Monthly Debt Service | $2,471 |
| DSCR Ratio | 0.81x |
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 1912
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45232, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,170 (100%) |
| Owner Occupied HU | 518 (16.3%) |
| Renter Occupied HU | 2,444 (77.1%) |
| Vacant Housing Units | 208 ( 6.6%) |
| Median Home Value | $144,608 |
| Average Home Value | $178,403 |
Housing Distribution
Address Breakdown
Residential
2,770
Single Family
2,289
Multi-Family
481
Businesses
202
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 1912
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45232, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,170 (100%) |
| Owner Occupied HU | 518 (16.3%) |
| Renter Occupied HU | 2,444 (77.1%) |
| Vacant Housing Units | 208 ( 6.6%) |
| Median Home Value | $144,608 |
| Average Home Value | $178,403 |
Housing Distribution
Address Breakdown
Residential
2,770
Single Family
2,289
Multi-Family
481
Businesses
202
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joycelyn Leathers • Huff Realty
Mls Name: Cincy MLS
Mls ID: #1851284