875 HERITAGE TRAILOshkoshWI54904
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 875 HERITAGE TRAIL, Oshkosh, WI, 54904 in Oshkosh. Priced at $249,900, it generates $2,352/mo in gross rent and $596/mo in net monthly cash flow, a 11.29% yield that comfortably supports the 2.09 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,151. Five-year appreciation: $69,043. Equity from principal paydown: $2,302/yr. Total projected cumulative return: $134,057.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 5.9% |
| Monthly Cash Flow | $596 | $450 |
City averages based on Oshkosh market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,352 |
| Total Monthly Debt Service | $1,657 |
| DSCR Ratio | 1.42x |
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 1975
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54904, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,885 (100%) |
| Owner Occupied HU | 7,158 (72.4%) |
| Renter Occupied HU | 2,419 (24.5%) |
| Vacant Housing Units | 308 ( 3.1%) |
| Median Home Value | $304,839 |
| Average Home Value | $339,326 |
Housing Distribution
Address Breakdown
Residential
9,898
Single Family
8,420
Multi-Family
1,478
Businesses
574
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 1975
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54904, Oshkosh, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,885 (100%) |
| Owner Occupied HU | 7,158 (72.4%) |
| Renter Occupied HU | 2,419 (24.5%) |
| Vacant Housing Units | 308 ( 3.1%) |
| Median Home Value | $304,839 |
| Average Home Value | $339,326 |
Housing Distribution
Address Breakdown
Residential
9,898
Single Family
8,420
Multi-Family
1,478
Businesses
574
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jenny Doemel • Century 21 Ace Realty
Mls Name: WIREX MLS
Mls Provider:
Mls ID: #50306740
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.