8852 Montgomery RdCincinnatiOH45236
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 8852 Montgomery Rd, Cincinnati, OH, 45236 in Cincinnati is capital appreciation. Rental yield 3.68%. The 3.68% gross yield at $650,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $179,583 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.68) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $70,919.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.8% |
| Monthly Cash Flow | $(2,779) | $450 |
City averages based on Cincinnati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,996 |
| Total Monthly Debt Service | $4,516 |
| DSCR Ratio | 0.44x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Townhouse
Built in 1988
1.22 Acres lot
$N/A/sqft
$499 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45236, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,121 (100%) |
| Owner Occupied HU | 7,267 (60.0%) |
| Renter Occupied HU | 3,912 (32.3%) |
| Vacant Housing Units | 942 ( 7.8%) |
| Median Home Value | $238,210 |
| Average Home Value | $307,626 |
Housing Distribution
Address Breakdown
Residential
11,922
Single Family
8,941
Multi-Family
2,981
Businesses
1,164
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
Townhouse
Built in 1988
1.22 Acres lot
$N/A/sqft
$499 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45236, Cincinnati, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,121 (100%) |
| Owner Occupied HU | 7,267 (60.0%) |
| Renter Occupied HU | 3,912 (32.3%) |
| Vacant Housing Units | 942 ( 7.8%) |
| Median Home Value | $238,210 |
| Average Home Value | $307,626 |
Housing Distribution
Address Breakdown
Residential
11,922
Single Family
8,941
Multi-Family
2,981
Businesses
1,164
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Katherine McCarty • Coldwell Banker Realty
Mls Name: Cincy MLS
Mls Provider:
Mls ID: #1846481
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