The Creekside Luxury Paired Villa Plan, Waterford PlaceMiddletownOH45042
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define The Creekside Luxury Paired Villa Plan, Waterford Place, Middletown, OH, 45042 in Middletown. Rental yield 7.97%. The 1.48 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $107,474 and $3,583/yr in principal reduction project total return of $137,709.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.9% |
| Monthly Cash Flow | $(176) | $285 |
City averages based on Middletown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,582 |
| Total Monthly Debt Service | $2,604 |
| DSCR Ratio | 0.99x |
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.
Multi Family
Built in 2026
N/A lot
$N/A/sqft
$200 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45042, Middletown, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,368 (100%) |
| Owner Occupied HU | 7,981 (64.5%) |
| Renter Occupied HU | 3,489 (28.2%) |
| Vacant Housing Units | 898 ( 7.3%) |
| Median Home Value | $267,557 |
| Average Home Value | $303,928 |
Housing Distribution
Address Breakdown
Residential
11,724
Single Family
10,548
Multi-Family
1,176
Businesses
665
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
Multi Family
Built in 2026
N/A lot
$N/A/sqft
$200 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45042, Middletown, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,368 (100%) |
| Owner Occupied HU | 7,981 (64.5%) |
| Renter Occupied HU | 3,489 (28.2%) |
| Vacant Housing Units | 898 ( 7.3%) |
| Median Home Value | $267,557 |
| Average Home Value | $303,928 |
Housing Distribution
Address Breakdown
Residential
11,724
Single Family
10,548
Multi-Family
1,176
Businesses
665
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Todd Homes
Mls Name: Todd Homes
Mls ID: #N/A