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Welcome Back,

Hi, happy Sunday, and happy December 1st. Lets make this last month of the year the best! Today we will be discussing another U.S. real estate market, that of which is in Ohio. Stay to the end to find out how you can profit from smaller markets like today’s. Enjoy!

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Real Estate Investing

Market Snapshot:

Cincinnati, Ohio

Cincinnati is proving to be a promising market for real estate investors, with the median home price reaching $265,000, reflecting a 4.3% year-over-year increase. Active listings currently stand at 4,800, a 4.5% rise compared to last year, indicating more opportunities for buyers. Cincinnati’s job market is thriving, led by healthcare and manufacturing sectors, which are fueling housing demand. The city’s affordability compared to larger metros makes it attractive to first-time buyers and seasoned investors alike.

Median Home Price: $265,000
YoY Price Growth: 4.3%
Active Listings: 4,800

Deal Of The Day:

Price: $850,000
Units: 4 (2 3-Bed, 2-Bath Each, 1 2-Bed, 2-Bath, 1 1-Bed, 1-Bath)
Monthly Rental Income: $7,800
Cap Rate: 8%

This Quadplex near the downtown Cincinnati offers excellent rental income potential, especially for professionals ho are located in downtown Cincinnati. The property is fully renovated with updated kitchens and bathrooms, providing strong appeal to renters. Its proximity to major transit and amenities ensures high occupancy rates. A sound choice for investors looking to earn big in an appreciating market.

Deal Rating: 8/10

This property shows great potential for a significant amount of appreciation in the upcoming years, and is located in downtown Cincinnati, right by it’s local high school showing promising potential for high quality families as renters.

Real Estate Tip:

Investment Strategy:

Today’s strategy is Subject-To Financing. This approach involves taking over a seller's existing mortgage, keeping their loan in place while you take ownership of the property. It’s an excellent method for acquiring properties with low-interest rates, especially in today’s higher-rate market.

For instance, if a property is valued at $250,000 and the seller has a $200,000 mortgage at a 3% interest rate, you can take over the loan while offering the seller a cash difference. This lowers your upfront costs and ensures better cash flow compared to acquiring a new, high-rate mortgage.

Current Interest Rates:

30-Year Fixed Residential: 6.6%
15-Year Fixed Residential: 5.8%
Commercial Rates: Starting at 6.1%

Cincinnati’s mortgage rates remain steady, with residential rates slightly below the national average. The commercial market offers opportunities for investors looking to secure better cash flow, especially with multi-unit properties providing strong cap rates in the 7-9% range.

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How to Profit from Mid-Sized Markets

Investing in mid-sized cities like Cincinnati provides unique opportunities compared to larger metropolitan areas. These cities often boast lower entry costs and higher rental yields, making them perfect for investors seeking cash flow. For example, duplexes and triplexes in Cincinnati can offer cap rates of 8% or higher, significantly better than the 4-6% seen in larger cities.

Furthermore, mid-sized markets are less volatile during economic downturns. A balanced mix of renter demand and moderate appreciation ensures steady returns over time. Partnering with local property management companies can further simplify operations, especially for out-of-state investors.

Economic Conditions

Cincinnati’s economy continues to grow, with an unemployment rate of 3.8%, well below the national average. The healthcare and logistics sectors are driving job creation, contributing to rising housing demand. Meanwhile, inflation is impacting construction costs, which are up 4.7% YoY, but Cincinnati remains significantly more affordable than other metro markets like Chicago or New York.

Market Rating: 9/10

This market receives a rating of a 9/10. There are a few reasons that this market received such a high rating. This market see’s sizeable growth YoY, the interest rates are lower than most parts in the U.S., and the median house price is well below national average. Although the market is seeing higher then expected inflation.

Key Takeaways:

• Cincinnati Market Update: Median home price at $265,000, with 4.3% YoY growth.

• Deal of the Day: Quadplex generating $7,800/month in rental income, offering an 8% cap rate.

• Tip: Diversify your real estate portfolio with residential and commercial properties to minimize risk.

• Strategy: Use Subject-To Financing to acquire properties with lower upfront costs and better cash flow.

• Economic Snapshot: Unemployment at 3.8%, with rising housing demand fueled by healthcare and logistics sectors.

That’s All For Today

I hope you enjoyed today’s issue. If you have any questions regarding today’s issue or future issues feel free to ask. Come back tomorrow for information on how to grow your income and wealth. I hope to see you.

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