645 Wisconsin StOshkoshWI54901
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 645 Wisconsin St, Oshkosh, WI, 54901 in Oshkosh speaks for itself: 13.24% gross on a $323,300 price, generating $3,568/mo in rent and $1,398/mo in net income after the $1,454/mo debt service. DSCR 2.45, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $16,775 stacks alongside $89,322 in projected five-year appreciation and $2,978/yr in principal reduction. Projected total cumulative return: $213,299.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.2% | 5.9% |
| Monthly Cash Flow | $1,398 | $450 |
City averages based on Oshkosh market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,568 |
| Total Monthly Debt Service | $2,041 |
| DSCR Ratio | 1.75x |
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 1936
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54901, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,544 (100%) |
| Owner Occupied HU | 7,127 (45.9%) |
| Renter Occupied HU | 7,240 (46.6%) |
| Vacant Housing Units | 1,177 ( 7.6%) |
| Median Home Value | $200,624 |
| Average Home Value | $275,016 |
Housing Distribution
Address Breakdown
Residential
14,738
Single Family
11,562
Multi-Family
3,176
Businesses
800
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 1936
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54901, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,544 (100%) |
| Owner Occupied HU | 7,127 (45.9%) |
| Renter Occupied HU | 7,240 (46.6%) |
| Vacant Housing Units | 1,177 ( 7.6%) |
| Median Home Value | $200,624 |
| Average Home Value | $275,016 |
Housing Distribution
Address Breakdown
Residential
14,738
Single Family
11,562
Multi-Family
3,176
Businesses
800
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices