138 N Main St, Covington, OH 45318

2 bd · 1 ba · 568 sqft · built 1920 · Covington · SINGLE_FAMILY·source listing ↗

$169,900

rent, three ways

OnePercent model (vv1)$1,625/mo

p10–p90 confidence band

HUD Fair Market Rent · 45318 · 2BR$990/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Miami

Flood risk indexRelatively Moderate FEMA NRI

Median household income$73,867

Median area rent$838/mo

Median home value$199,400

the verdict

0.96%vs 1.0% target

wide confidence band

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

$169,900

0.96% · rent $1,625

Intrinsic value · income approach

$269,627

37% 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.