871 Oak StToledoOH43605
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 871 Oak St, Toledo, OH, 43605 in Toledo at $129,000 earns $1,016/mo in rent and nets $168/mo after the $580/mo payment, a 9.45% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $35,640 over five years. Ziffy Mortgage underwrites this on a 1.75 DSCR without U.S. credit history. With $1,188/yr in principal paydown, total projected return reaches $59,916.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 7.2% |
| Monthly Cash Flow | $168 | $450 |
City averages based on Toledo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,016 |
| Total Monthly Debt Service | $797 |
| DSCR Ratio | 1.27x |
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.
Multi Family
Built in 1905
5,227 sqft lot
$N/A/sqft
No HOA
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
Multi Family
Built in 1905
5,227 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices