7927 Hoy CtCincinnatiOH45231
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 7927 Hoy Ct, Cincinnati, OH, 45231 in Cincinnati at $225,000 earns $1,618/mo in rent and nets $21/mo after the $1,012/mo payment, a 8.04% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $62,163 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $2,072/yr in principal paydown, total projected return reaches $94,248.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.8% |
| Monthly Cash Flow | $21 | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,618 |
| Total Monthly Debt Service | $1,396 |
| DSCR Ratio | 1.16x |
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 1970
7,927 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45231, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,464 (100%) |
| Owner Occupied HU | 11,231 (64.3%) |
| Renter Occupied HU | 5,000 (28.6%) |
| Vacant Housing Units | 1,233 ( 7.1%) |
| Median Home Value | $191,393 |
| Average Home Value | $237,750 |
Housing Distribution
Address Breakdown
Residential
17,605
Single Family
15,086
Multi-Family
2,519
Businesses
807
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 1970
7,927 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45231, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,464 (100%) |
| Owner Occupied HU | 11,231 (64.3%) |
| Renter Occupied HU | 5,000 (28.6%) |
| Vacant Housing Units | 1,233 ( 7.1%) |
| Median Home Value | $191,393 |
| Average Home Value | $237,750 |
Housing Distribution
Address Breakdown
Residential
17,605
Single Family
15,086
Multi-Family
2,519
Businesses
807
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jean Beaver • Coldwell Banker Realty
Mls Name: Cincy MLS
Mls Provider:
Mls ID: #1837869
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