N20809 Oneonta DrFenceWI54120
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingN20809 Oneonta Dr, Fence, WI, 54120 in Fence is a stable, well-positioned rental at $349,900. Rental yield 6.19%. DSCR 1.15 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $96,671 in value and $3,223/yr in principal paydown builds equity, a total projected return of $98,626.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 6.2% |
| Monthly Cash Flow | $(542) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,806 |
| Total Monthly Debt Service | $2,209 |
| DSCR Ratio | 0.82x |
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.
Single Family
Built in 1974
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54120, Fence, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 534 (100%) |
| Owner Occupied HU | 113 (21.2%) |
| Renter Occupied HU | 16 ( 3.0%) |
| Vacant Housing Units | 405 (75.8%) |
| Median Home Value | $214,063 |
| Average Home Value | $226,991 |
Housing Distribution
Address Breakdown
Residential
102
Single Family
102
Multi-Family
0
Businesses
6
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 1974
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 54120, Fence, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 534 (100%) |
| Owner Occupied HU | 113 (21.2%) |
| Renter Occupied HU | 16 ( 3.0%) |
| Vacant Housing Units | 405 (75.8%) |
| Median Home Value | $214,063 |
| Average Home Value | $226,991 |
Housing Distribution
Address Breakdown
Residential
102
Single Family
102
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices