4771 Shepherd Creek RdCincinnatiOH45223
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4771 Shepherd Creek Rd, Cincinnati, OH, 45223 in Cincinnati worth study. Rental yield 4.51%. The 4.51% gross yield is below cash-flow benchmarks at $800,000, but 5% annual appreciation, adding $221,025 over five years, frames this as a capital growth position. Rent of $3,010/mo partially offsets the $3,597/mo payment. Ziffy Mortgage finances appreciation-play properties (0.84 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $159,799.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.8% |
| Monthly Cash Flow | $(2,253) | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,010 |
| Total Monthly Debt Service | $4,944 |
| DSCR Ratio | 0.61x |
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 1946
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45223, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,849 (100%) |
| Owner Occupied HU | 2,598 (37.9%) |
| Renter Occupied HU | 3,483 (50.9%) |
| Vacant Housing Units | 768 (11.2%) |
| Median Home Value | $271,964 |
| Average Home Value | $278,320 |
Housing Distribution
Address Breakdown
Residential
6,547
Single Family
4,448
Multi-Family
2,099
Businesses
372
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 1946
12 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45223, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,849 (100%) |
| Owner Occupied HU | 2,598 (37.9%) |
| Renter Occupied HU | 3,483 (50.9%) |
| Vacant Housing Units | 768 (11.2%) |
| Median Home Value | $271,964 |
| Average Home Value | $278,320 |
Housing Distribution
Address Breakdown
Residential
6,547
Single Family
4,448
Multi-Family
2,099
Businesses
372
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Diane M Kallmeyer • Huff Realty
Mls Name: Cincy MLS
Mls ID: #1848462