636 Spencer St, Toledo, OH 43609

3 bd · 2 ba · 1,900 sqft · built 1912 · Toledo · MULTI_FAMILY·source listing ↗

$12,000

rent, three ways

OnePercent model (vv1)$2,439/mo

p10–p90 confidence band

HUD Fair Market Rent · 43609 · 3BR

$1,410/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Lucas

Flood risk indexRelatively Low FEMA NRI

Median household income$42,313

Median area rent$873/mo

Median home value$65,500

the verdict

20.32%vs 1.2% target

financing: 20% down · — (FRED, live) · 30yr

$12,000

20.32% · rent $2,439

Intrinsic value · income approach

$102,663

88% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.