4609 Winona TerCincinnatiOH45227
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 4609 Winona Ter, Cincinnati, OH, 45227 in Cincinnati at $412,500. Rental yield 7.33%. The 7.33% yield and 1.36 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $113,966 by year five, and $3,799/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $144,670.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.8% |
| Monthly Cash Flow | $(193) | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,520 |
| Total Monthly Debt Service | $2,549 |
| DSCR Ratio | 0.99x |
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 1906
7,187 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45227, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,542 (100%) |
| Owner Occupied HU | 4,818 (50.5%) |
| Renter Occupied HU | 3,834 (40.2%) |
| Vacant Housing Units | 890 ( 9.3%) |
| Median Home Value | $306,148 |
| Average Home Value | $442,509 |
Housing Distribution
Address Breakdown
Residential
9,396
Single Family
6,956
Multi-Family
2,440
Businesses
747
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 1906
7,187 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45227, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,542 (100%) |
| Owner Occupied HU | 4,818 (50.5%) |
| Renter Occupied HU | 3,834 (40.2%) |
| Vacant Housing Units | 890 ( 9.3%) |
| Median Home Value | $306,148 |
| Average Home Value | $442,509 |
Housing Distribution
Address Breakdown
Residential
9,396
Single Family
6,956
Multi-Family
2,440
Businesses
747
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julia Packer P Wesselkamper • Coldwell Banker Realty
Mls Name: Cincy MLS
Mls ID: #1864597