5433 Whetsel AveRipleyOH45227
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 5433 Whetsel Ave, Ripley, OH, 45227 in Ripley worth modelling. At $344,500 with a 8.78% gross yield, the $2,520/mo rent leaves $147/mo after the $1,549/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.63 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $95,179 by year five; $3,173/yr in principal reduction adds further equity. Total projected return: $141,181.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $147 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,520 |
| Total Monthly Debt Service | $2,236 |
| DSCR Ratio | 1.13x |
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 1924
7,579 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 1924
7,579 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