4772 Gray RdCincinnatiOH45232
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4772 Gray Rd, Cincinnati, OH, 45232 in Cincinnati. Priced at $199,900, it generates $1,860/mo in gross rent and $545/mo in net monthly cash flow, a 11.17% yield that comfortably supports the 1.96 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,541. Five-year appreciation: $55,229. Equity from principal paydown: $1,676/yr. Total projected cumulative return: $107,443.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.8% |
| Monthly Cash Flow | $545 | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,860 |
| Total Monthly Debt Service | $1,284 |
| DSCR Ratio | 1.45x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1900
0.79 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
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: L Susan Asch • Ken Perry Realty, Inc.
Mls Name: Cincy MLS
Mls Provider:
Mls ID: #1899321
