4630 Ginger Hill RdToledoOH43623
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4630 Ginger Hill Rd, Toledo, OH, 43623 in Toledo. Priced at $724,900, it generates $9,002/mo in gross rent and $4,022/mo in net monthly cash flow, a 14.9% yield that comfortably supports the 2.76 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $48,258. Five-year appreciation: $200,277. Equity from principal paydown: $6,676/yr. Total projected cumulative return: $535,794.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.9% | 7.2% |
| Monthly Cash Flow | $4,022 | $450 |
City averages based on Toledo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,002 |
| Total Monthly Debt Service | $4,692 |
| DSCR Ratio | 1.92x |
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 1991
0.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43623, Toledo, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,432 (100%) |
| Owner Occupied HU | 5,782 (61.3%) |
| Renter Occupied HU | 3,186 (33.8%) |
| Vacant Housing Units | 464 ( 4.9%) |
| Median Home Value | $183,761 |
| Average Home Value | $242,799 |
Housing Distribution
Address Breakdown
Residential
9,574
Single Family
7,008
Multi-Family
2,566
Businesses
948
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 1991
0.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 43623, Toledo, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,432 (100%) |
| Owner Occupied HU | 5,782 (61.3%) |
| Renter Occupied HU | 3,186 (33.8%) |
| Vacant Housing Units | 464 ( 4.9%) |
| Median Home Value | $183,761 |
| Average Home Value | $242,799 |
Housing Distribution
Address Breakdown
Residential
9,574
Single Family
7,008
Multi-Family
2,566
Businesses
948
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices