629 N Main StAdaOH45810
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 629 N Main St, Ada, OH, 45810 in Ada. Priced at $195,900, it generates $1,922/mo in gross rent and $634/mo in net monthly cash flow, a 11.78% yield that comfortably supports the 2.18 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,606. Five-year appreciation: $54,124. Equity from principal paydown: $1,804/yr. Total projected cumulative return: $115,412.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $634 | $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 | $1,922 |
| Total Monthly Debt Service | $1,211 |
| DSCR Ratio | 1.59x |
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 1920
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45810, Ada, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,039 (100%) |
| Owner Occupied HU | 1,684 (55.4%) |
| Renter Occupied HU | 947 (31.2%) |
| Vacant Housing Units | 408 (13.4%) |
| Median Home Value | $176,923 |
| Average Home Value | $194,590 |
Housing Distribution
Address Breakdown
Residential
2,636
Single Family
2,541
Multi-Family
95
Businesses
148
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 1920
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45810, Ada, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,039 (100%) |
| Owner Occupied HU | 1,684 (55.4%) |
| Renter Occupied HU | 947 (31.2%) |
| Vacant Housing Units | 408 (13.4%) |
| Median Home Value | $176,923 |
| Average Home Value | $194,590 |
Housing Distribution
Address Breakdown
Residential
2,636
Single Family
2,541
Multi-Family
95
Businesses
148
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices