743 Clanora Dr · Cincinnati, OH 45205

$99,900

2 bd · 1.0 ba · 1,055 sqft · SingleFamily public records · 54 Days on market

Built 1930 5,881 sqft lot Est $171k · 42% under

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +27.9/30.0
• ARV discount +15.0/15.0
• DSCR +9.9/10.0
• 1% rule +8.4/10.0
• Livability +4.0/5.0
• Rent growth +3.3/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Financed offers must include: POF & Lender Pre-approval Letter. Cash offers must include POF. Corporate offers must include Corporate Resolution reflecting authorized signer. Buyer(s) to verify Sq Ft. of lot and structure. Property SOLD AS-IS. Offers will be reviewed after 7 days on the market. Seller may take an offer at any time.

Key facts

• 5,881 sq ft lot
• Garage
• Built 1930

Property features AI

Finance

• Other: Lot about 0.135 acre (approx. 45 x 162)
• HOA & community: No HOA

Exterior

• Parking: Detached 1-car garage; Off-street parking and driveway
• Utilities: Public water; Public sewer; Natural gas
• Home design: Single-family ranch home; One story; Residential zoning; Handyman special
• Construction: Brick construction; Shingle roof; Poured foundation; Built on one level
• Exterior features: Front porch; Shed on property; Busline nearby

Interior

• Kitchen: Eat-in kitchen; Oven/Range; Refrigerator
• Bedrooms: Primary bedroom on main level, about 12 x 12; Second bedroom on main level, about 9 x 10
• Flooring: Wall-to-wall carpet in living room
• Bathrooms: One full bathroom on main level
• Heating & cooling: Forced air heating (gas); Central air conditioning; Gas water heating
• Interior features: Multi-panel doors; Fireplace in living room (brick, gas); Full unfinished basement with concrete floor
• Laundry & utility: Basement utility space

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $307 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $97k (3.0% below list) — sets the bar for market timing.
• Cap rate 10.0% vs local median 3.9% in Cincinnati — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 80/100 on livability (#130 in OH, #1,856 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D, crime F.
• Cincinnati Public Schools (urban): math 25% / reading 36% proficiency, ranked #581 of 656 in OH (top 89%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.3%/yr); 70 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 801 units permitted in Hamilton County in 2024 (190 in 5+ unit buildings).
• This rent runs 37% of the median local income ($44k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.3% rent growth), your $28k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 54 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $96,903 (3.0% below list)

Questions for the listing agent

1. It's been on market 54 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.34% ✓
• Cap rate: 9.98%
• Cash-on-cash: 13.17%
• DSCR: 1.59
• GRM: 6.2

CMA / ARV

• ARV (on-the-fly): $170,910
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
582 Trenton Ave	0.22mi	2/2.0	1,056 (+0%)	2mo	$170,000	$161	84
574 Virgil Rd	0.29mi	3/1.0 (+1)	1,110 (+5%)	1mo	$180,000	$162	72
627 Roebling Rd	0.32mi	2/1.0	959 (-9%)	1mo	$170,000	$177	70
749 Wilbud Dr	0.09mi	3/1.0 (+1)	1,165 (+10%)	6mo	$130,000	$112	68
4305 St Lawrence Ave	0.32mi	3/1.5 (+1)	988 (-6%)	2mo	$154,000	$156	66
538 Roebling Rd	0.25mi	2/1.5	1,190 (+13%)	0mo	$226,000	$190	65
761 Wilbud Dr	0.12mi	3/1.0 (+1)	925 (-12%)	6mo	$130,000	$141	64
4334 W Eighth St	0.26mi	3/2.0 (+1)	1,170 (+11%)	1mo	$115,000	$98	60
4619 Shady Lawn Ter	0.61mi	2/1.0	992 (-6%)	4mo	$180,000	$181	58
4778 Shadylawn Ter	0.71mi	2/1.0	992 (-6%)	1mo	$165,000	$166	56
4016 Jamestown St	0.43mi	2/1.0	1,182 (+12%)	6mo	$95,000	$80	55
522 Rentz Pl	0.47mi	3/1.5 (+1)	1,160 (+10%)	4mo	$195,000	$168	51

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.3% rent growth · sell at horizon

5-year hold

• IRR: 3.5%
• Equity multiple: 1.14×
• Total profit: $3,827
• Equity at exit: $14,895

10-year hold

• IRR: 13.4%
• Equity multiple: 2.09×
• Total profit: $30,405
• Equity at exit: $8,638

Cash invested: $27,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Ohio: 73 Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day notice; Cleveland / Columbus have some habitability code enforcement; otherwise landlord-leaning.

Methodology + full state rankings →

ZIP-level market 45205

• Rents YoY: 3.3%
• Active inventory: 70
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,334 high
• Mortgage (P&I): −$524
• Tax from tax record: −$182 /mo · $2,179/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$280
• Net cashflow: $307

Break-even live

Break-even rent $946

Max offer price $99,900

Occupancy floor 72%

Sensitivity live

Price	-10% $364	-5% $335	+0% $307	+5% $279	+10% $250
Rent	-10% $202	-5% $254	+0% $307	+5% $360	+10% $412
Rate	-1.0pp $357	-0.5pp $332	base $307	+0.5pp $281	+1.0pp $255

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 26 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4244 Loubell Ln Cincinnati, OH	1.0	1.0	900	$895	$0.99	24d	1	0.09mi
4284 Foley Rd Cincinnati, OH	3.0	2.0	1242	$2,800	$2.25	44d	1	0.19mi
4370 Saint Lawrence Ave #1 Cincinnati, OH	1.0	1.0	876	$1,050	$1.20	17d	1	0.42mi
620 Pedretti Ave Apt A8 Cincinnati, OH	2.0	1.0	703	$978	$1.39	15d	1	0.46mi
4220 Viewland Pl Cincinnati, OH	2.0	1.0	900	$1,495	$1.66	20d	1	0.50mi
1057 Winfield Ave Unit 2 Cincinnati, OH	2.0	1.0	1000	$1,250	$1.25	24d	1	0.52mi
466 Pedretti Ave Unit 472-10 Cincinnati, OH	2.0	1.0	750	$1,100	$1.47	24d	1	0.70mi
1224 Sliker Ave Cincinnati, OH	1.0	1.0	950	$850	$0.89	5d	1	0.74mi
1214 Gilsey Ave Cincinnati, OH	3.0	1.0	1300	$1,300	$1.00	21d	1	0.78mi
1214 Gilsey Ave Cincinnati, OH	3.0	1.0	1300	$1,300	$1.00	24d	1	0.78mi
1233 Dewey Ave Cincinnati, OH	3.0	1.0	1411	$1,375	$0.97	5d	1	0.78mi
1240 Rosemont Ave Cincinnati, OH	2.0	1.0	1280	$1,100	$0.86	21d	1	0.79mi
3643 W 8th St Unit 1 Cincinnati, OH	2.0	1.0	850	$995	$1.17	24d	1	0.91mi
3666 Glenway Ave Cincinnati, OH	3.0	1.0	1339	$1,250	$0.93	24d	1	1.05mi
1607 Minion Ave Cincinnati, OH	3.0	1.5	1066	$1,675	$1.57	24d	1	1.07mi
3772 W Liberty St Cincinnati, OH	3.0	1.0	1066	$1,350	$1.27	5d	1	1.09mi
1740 Minion Ave Cincinnati, OH	2.0	1.0	1320	$1,200	$0.91	24d	1	1.25mi
1820 Sunset Ave Cincinnati, OH	1.0–2.0	1.0	750	$1,049	$1.40	22d	6	1.25mi
717 Elberon Ave Unit Elberon 717 Cincinnati, OH	2.0	1.0	1117	$995	$0.89	24d	1	1.26mi
4463 Glenhaven Rd Cincinnati, OH	2.0	1.0	775	$1,005	$1.30	44d	1	1.29mi
944 Elberon Ave Cincinnati, OH	2.0	1.0	900	$1,200	$1.33	24d	1	1.34mi
5039 Delhi Rd Cincinnati, OH	1.0–2.0	1.0–2.0	952	$1,895	$1.99	2d	10	1.38mi
1905 Wyoming Ave Cincinnati, OH	2.0	1.0	850	$1,012	$1.19	2d	2	1.43mi
1872 Sunset Ave Cincinnati, OH	2.0	1.0	888	$1,075	$1.21	5d	7	1.46mi
3338 Hillside Ave Cincinnati, OH	1.0–2.0	1.0	725	$995	$1.37	24d	1	1.48mi
633 Hawthorne Ave Unit 2 Cincinnati, OH	3.0	1.0	1000	$1,400	$1.40	24d	1	1.48mi

Listing history 15 events

1. 2026-06-21
   days on market $99,900 Active 54 DOM
2. 2026-06-18
   days on market $99,900 Active 51 DOM
3. 2026-06-17
   days on market $99,900 Active 50 DOM
4. 2026-06-16
   days on market $99,900 Active 49 DOM
5. 2026-06-15
   days on market $99,900 Active 48 DOM
6. 2026-06-13
   days on market $99,900 Active 46 DOM
7. 2026-06-13
   days on market $99,900 Active 45 DOM
8. 2026-06-09
   days on market $99,900 Active 42 DOM
9. 2026-06-08
   days on market $99,900 Active 41 DOM
10. 2026-06-07
    days on market $99,900 Active 40 DOM
11. 2026-06-03
    days on market $99,900 Active 36 DOM
12. 2026-06-02
    days on market $99,900 Active 35 DOM
13. 2026-06-01
    days on market $99,900 Active 34 DOM
14. 2026-05-31
    days on market $99,900 Active 33 DOM
15. 2026-04-28
    listed $99,900 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast OH · Partial reset (capped growth)

• Current annual tax: $2,179 · $182/mo
• Projected year-2 tax: $2,179 · $182/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥102°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,013
• − Mortgage interest: −$5,596
• − Property taxes: −$2,179
• − Insurance: −$500
• − Repairs & maintenance: −$1,281
• − Management: −$1,281
• − Depreciation: −$2,906
• Taxable income: $2,270
• Est. tax owed @ 24.0%: −$545
• After-tax cash flow: $3,140/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Cincinnati Public Schools
• NCES district ID: 3904375
• Math proficiency: 25% ▼ -19.00%
• Reading proficiency: 36% ▼ -14.00%
• Median HH income: $35,743
• Composite: 25.21/100
• National rank: #7508
• State rank: #581 of 656 in OH

Livability — Cincinnati

• Score: 80/100
• State rank: #130
• US rank: #1856

Category grades

Amenities A+ Commute A+ Cost of living A+ Crime F Employment D Housing A+ Health & safety B+ User ratings C-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cincinnati, OH
• County: Hamilton County · 701,295 people
• City population: 505,555
• Metro: Cincinnati, OH-KY-IN
• Population (ZIP): 18,651
• Household income: $43,682
• Rent vs Own: 63.1% rent · 36.9% own
• Severe rent burden: 980.0

Population outlook (Hamilton County) Hauer SSP2

• Today (2025): 826,054 people
• By 2030: 830,947 · +0.6%
• By 2040: 832,319 · +0.8%
• By 2050: 822,428 · -0.4%
• By 2075: 788,688 · -4.5%
• By 2100: 710,674 · -14.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: Black 43% White 32% Hispanic / Latino 16% Two or more races 7% Asian 2%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Lithuanian 1% Slovak 1% Serbian 1%
• Foreign-born: 9% · Canada, India, China
• Languages at home: 84% English-only · Spanish 10% Other Asian/Pacific 2% Other Indo-European 1%

Political lean MEDSL · Hamilton

• 2024 margin: D (+14.9) · D 57.0% · R 42.1%
• 2008→2024 swing: +7.9pp toward D · 2008: 7.0pp · 2024: 14.9pp
• All cycles: 2024: D+14.9 2020: D+15.9 2016: D+9.5 2012: D+4.9 2008: D+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -138.67%
• Current HPI: 163.3375
• Rent YoY: ▲ 3.30%
• Metro: Cincinnati, OH-KY-IN
• State GDP YoY: ▲ 1.98%
• F500 in state: 48

Industry mix (Fortune 500 HQ in OH)

Industry	F500 HQs	Revenue
▸Insurance	3	$145B
▸Industrial Machinery	3	$49B
▸Financial Services	3	$24B
▸Consumer Goods	2	$93B
▸Aerospace / Defense	2	$47B
▸Utilities	2	$33B

Price history

1 event — show timeline

• 2026-04-28 Listed $99,900 Cincy MLS

Property tax history

+8.2%/yr

Latest (2025): $2,179 · +50.1% YoY. Source: county tax records.