911 Vinton St · Toledo, OH 43609

$79,000

2 bd · 1.0 ba · 916 sqft · SingleFamily public records · 66 Days on market

Built 1887 5,700 sqft lot $86/sqft · 59% above area

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +9.0/10.0
• ARV discount +7.5/15.0
• Appreciation +5.4/10.0
• Rent growth +4.5/5.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0

Listing remarks MLS

Great investment opportunity featuring a 2-bedroom, 1-bath home with strong rental potential. The property offers functional living space and is ideal for investors looking to expand their portfolio. Can be purchased individually or bundled with 2313 Waterworks Drive and 1045 Orchard Street. for a package deal opportunity. No seller financing or creative financing options available.

Key facts

• 5,700 sq ft lot
• Parking
• Built 1887

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $79k.

Deal economics

• At list price, monthly cash flow is $374 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $79k).
• Recommended offer: $74k (6.0% below list) — sets the bar for market timing.
• Cap rate 12.0% vs local median 7.6% in Toledo — 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 66/100 on livability (#645 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities C-, schools D-, crime F.
• Toledo City (urban): math 15% / reading 24% proficiency, ranked #634 of 656 in OH (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+7.8%/yr); 99 active listings in the ZIP; 31 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 52% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 415 units permitted in Lucas County in 2024 (122 in 5+ unit buildings).
• This rent runs 31% of the median local income ($42k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $1k of equity ($546 loan paydown + $592 appreciation (0.8% local appreciation)).
• Lucas County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (0.8% appreciation + 7.8% rent growth), your $22k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 66 days — a 6% lower offer ($74k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $38k; list at $79k implies a 108% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1887 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $74,260 (6.0% below list)

Questions for the listing agent

1. It's been on market 66 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1887 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
7. 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.
8. 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.
9. 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: 1.40% ✓
• Cap rate: 11.98%
• Cash-on-cash: 20.30%
• DSCR: 1.90
• GRM: 5.9

CMA / ARV

• ARV (median comp): $49,633
• List price: $79,000
• Delta: 59.17%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
356 Sumner St	0.60mi	2/1.0	910 (-1%)	8mo	$24,900	$27	65
58 City Park	0.21mi	3/1.0 (+1)	1,008 (+10%)	7mo	$45,000	$45	63
517 Knower St	0.52mi	3/1.0 (+1)	966 (+6%)	1mo	$65,000	$67	61
267 Leland Ave	0.53mi	2/1.0	969 (+6%)	9mo	$87,000	$90	58
710 Western Ave	0.33mi	2/1.0	1,028 (+12%)	8mo	$72,500	$71	57
109 Wellington St	0.71mi	2/1.0	859 (-6%)	3mo	$4,500	$5	54
442 Knower St	0.51mi	2/1.0	950 (+4%)	20mo	$65,500	$69	53
315 Sumner St	0.57mi	2/1.0	860 (-6%)	15mo	$27,000	$31	51
616 Pleasant Pl	0.74mi	3/1.5 (+1)	941 (+3%)	6mo	$45,000	$48	49
570 Orchard St	0.75mi	2/1.5	836 (-9%)	7mo	$40,000	$48	43
638 Knower St	0.49mi	3/1.0 (+1)	1,035 (+13%)	16mo	$12,100	$12	38
1041 Whittier St	0.73mi	3/1.0 (+1)	968 (+6%)	21mo	$55,000	$57	34

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

Projected returns pro-forma

0.75% appreciation · 7.8% rent growth · sell at horizon

5-year hold

• IRR: 25.7%
• Equity multiple: 2.35×
• Total profit: $29,947
• Equity at exit: $25,944

10-year hold

• IRR: 31.4%
• Equity multiple: 5.33×
• Total profit: $95,827
• Equity at exit: $33,698

Cash invested: $22,120 (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 43609

• Home prices YoY: 0.3%
• Rents YoY: 7.8%
• Active inventory: 99
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $1,109 high
• Mortgage (P&I): −$414
• Tax from tax record: −$55 /mo · $656/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$233
• Net cashflow: $374

Break-even live

Break-even rent $635

Max offer price $79,000

Occupancy floor 61%

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: $19,750
• Closing costs: $2,370
• Reserves months: —
• Total cash needed: —

Rent comps 31 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
223 Charles St Toledo, OH	2.0	1.0	612	$875	$1.43	43d	1	0.40mi
416 Maumee Ave Unit D Toledo, OH	1.0	1.0	622	$475	$0.76	43d	1	0.51mi
400 Nebraska Ave Toledo, OH	1.0	1.0	664	$1,129	$1.70	13d	1	0.57mi
244 Knower St Toledo, OH	3.0	1.0	1120	$995	$0.89	13d	1	0.61mi
827 Colburn St Toledo, OH	2.0	1.0	1092	$750	$0.69	43d	1	0.73mi
34 S Erie St Unit 409 Toledo, OH	1.0	1.0	930	$1,375	$1.48	43d	1	0.83mi
34 S Erie St Apt 602 Toledo, OH	1.0	1.0	894	$1,315	$1.47	43d	1	0.83mi
34 S Erie St Unit 107 Toledo, OH	1.0	1.0	1103	$1,300	$1.18	23d	1	0.83mi
34 S Erie St Unit 202 Toledo, OH	1.0	1.0	894	$1,275	$1.43	23d	1	0.83mi
34 S Erie St Unit 611 Toledo, OH	1.0	1.0	990	$1,300	$1.31	43d	1	0.83mi
34 S Erie St Unit 209 Toledo, OH	1.0	1.0	930	$1,375	$1.48	23d	1	0.83mi
771 Orchard St Unit 7715 Toledo, OH	2.0	1.0	1086	$645	$0.59	23d	1	0.84mi
15 S Ontario St Apt 409 Toledo, OH	1.0	1.0	984	$1,695	$1.72	43d	1	0.86mi
1 S Erie St Toledo, OH	1.0	1.0	846	$1,410	$1.67	13d	1	0.90mi
23 N Summit St Toledo, OH	1.0	1.0	838	$1,475	$1.76	13d	2	1.04mi
1037 Orchard St Toledo, OH	2.0	1.0	696	$820	$1.18	21d	1	1.05mi
1321 Gordon St Toledo, OH	3.0	1.0	1121	$1,050	$0.94	43d	1	1.11mi
123 Water St Unit 307 Toledo, OH	1.0	1.0	914	$1,445	$1.58	43d	1	1.14mi
123 Water St Unit 411 Toledo, OH	1.0	1.0	747	$1,380	$1.85	23d	1	1.14mi
200 N St Clair St Toledo, OH	2.0	1.0–2.0	835	$2,550	$3.05	13d	15	1.20mi
322 14th St Apt 203 Toledo, OH	3.0	1.5	1065	$1,000	$0.94	13d	1	1.29mi
332 14th St Unit 303 Toledo, OH	3.0	1.5	1040	$1,000	$0.96	43d	1	1.29mi
1418 Colburn St Toledo, OH	3.0	1.0	992	$1,200	$1.21	13d	1	1.31mi
142 23rd St Toledo, OH	1.0	1.0–1.5	508	$1,395	$2.75	43d	1	1.32mi
513 Adams St Toledo, OH	1.0–2.0	1.0	1175	$1,424	$1.21	13d	11	1.32mi
1825 Collingwood Blvd Toledo, OH	1.0	1.0	710	$850	$1.20	13d	1	1.33mi
1521 Emma St Unit LABS 1521 Emma St, B 43051619729 Toledo, OH	1.0	1.0	975	$900	$0.92	43d	1	1.36mi
1026 Oakwood Ave Toledo, OH	2.0	1.0	1100	$850	$0.77	43d	1	1.43mi
834 Oak St Toledo, OH	3.0	1.0	1064	$900	$0.85	43d	1	1.45mi
950 Oak St Unit 1 Toledo, OH	2.0	1.0	725	$700	$0.97	43d	1	1.50mi
537 Potter St Toledo, OH	1.0	1.0	1000	$600	$0.60	43d	1	1.50mi

Listing history 24 events

1. 2026-06-18
   days on market $79,000 Active 66 DOM
2. 2026-06-17
   days on market $79,000 Active 65 DOM
3. 2026-06-16
   days on market $79,000 Active 64 DOM
4. 2026-06-15
   days on market $79,000 Active 63 DOM
5. 2026-06-14
   days on market $79,000 Active 61 DOM
6. 2026-06-10
   days on market $79,000 Active 58 DOM
7. 2026-06-09
   days on market $79,000 Active 57 DOM
8. 2026-06-08
   days on market $79,000 Active 56 DOM
9. 2026-06-07
   days on market $79,000 Active 55 DOM
10. 2026-06-05
    days on market $79,000 Active 52 DOM
11. 2026-06-03
    days on market $79,000 Active 51 DOM
12. 2026-06-02
    days on market $79,000 Active 50 DOM
13. 2026-06-01
    days on market $79,000 Active 49 DOM
14. 2026-05-31
    days on market $79,000 Active 48 DOM
15. 2026-05-30
    days on market $79,000 Active 47 DOM
16. 2026-04-13
    listed $79,000 Active 385-char remark

    Show marketing remark (385 chars)

    Great investment opportunity featuring a 2-bedroom, 1-bath home with strong rental potential. The property offers functional living space and is ideal for investors looking to expand their portfolio. Can be purchased individually or bundled with 2313 Waterworks Drive and 1045 Orchard Street. for a package deal opportunity. No seller financing or creative financing options available.

17. 2026-04-13
    historical $79,000 385-char remark

    Show marketing remark (385 chars)

    Great investment opportunity featuring a 2-bedroom, 1-bath home with strong rental potential. The property offers functional living space and is ideal for investors looking to expand their portfolio. Can be purchased individually or bundled with 2313 Waterworks Drive and 1045 Orchard Street. for a package deal opportunity. No seller financing or creative financing options available.

18. 2025-10-14
    price $38,000 293-char remark

    Show marketing remark (293 chars)

    Don't miss out on this incredible chance to own a well-maintained property in the historic south end. This 2 bedroom 1 bath home has a solid rental history and low maintenance costs, this property is a fantastic opportunity for both seasoned and new investors alike. More pictures coming soon.

19. 2024-11-06
    soldstatus $38,000
20. 2024-10-30
    soldstatus $38,000 Closed 293-char remark

    Show marketing remark (293 chars)

    Don't miss out on this incredible chance to own a well-maintained property in the historic south end. This 2 bedroom 1 bath home has a solid rental history and low maintenance costs, this property is a fantastic opportunity for both seasoned and new investors alike. More pictures coming soon.

21. 2024-10-15
    status Pending 293-char remark

    Show marketing remark (293 chars)

    Don't miss out on this incredible chance to own a well-maintained property in the historic south end. This 2 bedroom 1 bath home has a solid rental history and low maintenance costs, this property is a fantastic opportunity for both seasoned and new investors alike. More pictures coming soon.

22. 2024-10-03
    historical Contingent 293-char remark

    Show marketing remark (293 chars)

    Don't miss out on this incredible chance to own a well-maintained property in the historic south end. This 2 bedroom 1 bath home has a solid rental history and low maintenance costs, this property is a fantastic opportunity for both seasoned and new investors alike. More pictures coming soon.

23. 2024-10-01
    listed $45,000 Active 293-char remark

    Show marketing remark (293 chars)

    Don't miss out on this incredible chance to own a well-maintained property in the historic south end. This 2 bedroom 1 bath home has a solid rental history and low maintenance costs, this property is a fantastic opportunity for both seasoned and new investors alike. More pictures coming soon.

24. 2004-05-17
    soldstatus $16,000

ⓘ 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: $656 · $55/mo
• Projected year-2 tax: $944 · $79/mo
• Expected delta: +$288/yr (+$24/mo · 44.0%)

ⓘ 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 3/10 Moderate 7 d/yr ≥100°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,306
• − Mortgage interest: −$4,425
• − Property taxes: −$656
• − Insurance: −$395
• − Repairs & maintenance: −$1,064
• − Management: −$1,064
• − Depreciation: −$2,298
• Taxable income: $3,403
• Est. tax owed @ 24.0%: −$817
• After-tax cash flow: $3,673/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: Toledo City
• NCES district ID: 3904490
• Math proficiency: 15% ▼ -16.00%
• Reading proficiency: 24% ▼ -13.00%
• Median HH income: $32,137
• Composite: 15.76/100
• National rank: #9276
• State rank: #634 of 656 in OH

Livability — Toledo

• Score: 66/100
• State rank: #645
• US rank: #11442

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Toledo, OH
• County: Lucas County · 380,724 people
• City population: 280,811
• Metro: Toledo, OH
• Population (ZIP): 21,404
• Household income: $42,313
• Rent vs Own: 55.7% rent · 44.3% own
• Severe rent burden: 1603.0

Population outlook (Lucas County) Hauer SSP2

• Today (2025): 420,751 people
• By 2030: 410,187 · -2.5%
• By 2040: 384,019 · -8.7%
• By 2050: 355,125 · -15.6%
• By 2075: 291,683 · -30.7%
• By 2100: 233,670 · -44.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 47% Black 29% Hispanic / Latino 17% Two or more races 9%
• Hispanic origin (detail): Mexican 15%
• Common ancestry: Romanian 5% Lithuanian 2% Italian 1%
• Foreign-born: 4% · Canada, China
• Languages at home: 92% English-only · Spanish 5% Arabic 1% French/Haitian/Cajun 1%

Political lean MEDSL · Lucas

• 2024 margin: D (+12.6) · D 55.8% · R 43.2%
• 2008→2024 swing: -18.9pp toward R · 2008: 31.4pp · 2024: 12.6pp
• All cycles: 2024: D+12.6 2020: D+16.8 2016: D+17.4 2012: D+30.4 2008: D+31.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 0.75%
• Current HPI: 235.2515
• Rent YoY: ▲ 7.80%
• Metro: Toledo, OH
• 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

+393.8% since first listed

9 events — show timeline

• 2026-04-13 Listed $79,000 NORIS
• 2026-04-13 Coming Soon $79,000 NORIS
• 2025-10-14 Price Changed $38,000 NORIS
• 2024-11-06 Sold (Public Records) $38,000 Public Records
• 2024-10-30 Sold (MLS) $38,000 NORIS
• 2024-10-15 Pending — NORIS
• 2024-10-03 Contingent — NORIS
• 2024-10-01 Listed $45,000 NORIS
• 2004-05-17 Sold (Public Records) $16,000 Public Records

Property tax history

+2.9%/yr

Latest (2025): $656 · +32.9% YoY. Source: county tax records.