BUCHANAN Plan, Hughes RetreatMiddletownOH45044
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at BUCHANAN Plan, Hughes Retreat, Middletown, OH, 45044 in Middletown speaks for itself: 18.2% gross on a $588,500 price, generating $8,926/mo in rent and $5,055/mo in net income after the $2,646/mo debt service. DSCR 3.37, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $60,655 stacks alongside $162,592 in projected five-year appreciation and $5,420/yr in principal reduction. Projected total cumulative return: $549,468.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.2% | 5.9% |
| Monthly Cash Flow | $5,055 | $285 |
City averages based on Middletown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,926 |
| Total Monthly Debt Service | $3,637 |
| DSCR Ratio | 2.45x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45044, Middletown, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,189 (100%) |
| Owner Occupied HU | 13,029 (56.2%) |
| Renter Occupied HU | 8,856 (38.2%) |
| Vacant Housing Units | 1,304 ( 5.6%) |
| Median Home Value | $278,217 |
| Average Home Value | $313,920 |
Housing Distribution
Address Breakdown
Residential
22,115
Single Family
20,523
Multi-Family
1,592
Businesses
1,109
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45044, Middletown, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,189 (100%) |
| Owner Occupied HU | 13,029 (56.2%) |
| Renter Occupied HU | 8,856 (38.2%) |
| Vacant Housing Units | 1,304 ( 5.6%) |
| Median Home Value | $278,217 |
| Average Home Value | $313,920 |
Housing Distribution
Address Breakdown
Residential
22,115
Single Family
20,523
Multi-Family
1,592
Businesses
1,109
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices