729 Farmington AveOshkoshWI54901
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 729 Farmington Ave, Oshkosh, WI, 54901 in Oshkosh is narrow, $20/mo net on $2,382/mo rent after the $1,669/mo debt service, but the property operates at break-even-plus, not a loss. At $352,000 with a 8.12% yield, the long-run equity case via 5% appreciation ($97,251 over five years) and $2,951/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $128,914.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.9% |
| Monthly Cash Flow | $20 | $450 |
City averages based on Oshkosh 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 | $2,382 |
| Total Monthly Debt Service | $2,308 |
| DSCR Ratio | 1.03x |
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 1993
0.30 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
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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
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