9123 Kempton AveClevelandOH44108
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 9123 Kempton Ave, Cleveland, OH, 44108 in Cleveland at $137,900 earns $1,037/mo in rent and nets $130/mo after the $654/mo payment, a 9.02% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $38,099 over five years. Ziffy Mortgage underwrites this on a 1.59 DSCR without U.S. credit history. With $1,156/yr in principal paydown, total projected return reaches $58,279.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 8.5% |
| Monthly Cash Flow | $130 | $450 |
City averages based on Cleveland 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 | $1,037 |
| Total Monthly Debt Service | $886 |
| DSCR Ratio | 1.17x |
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 1918
3,484 sqft lot
$N/A/sqft
No HOA
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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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