1031 Gerhard StDaytonOH45404
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1031 Gerhard St, Dayton, OH, 45404 in Dayton. Priced at $125,900, it generates $1,522/mo in gross rent and $693/mo in net monthly cash flow, a 14.5% yield that comfortably supports the 2.69 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,321. Five-year appreciation: $34,784. Equity from principal paydown: $1,160/yr. Total projected cumulative return: $92,654.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.5% | 8.1% |
| Monthly Cash Flow | $693 | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,522 |
| Total Monthly Debt Service | $778 |
| DSCR Ratio | 1.96x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1954
5,667 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45404, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,935 (100%) |
| Owner Occupied HU | 2,029 (41.1%) |
| Renter Occupied HU | 2,292 (46.4%) |
| Vacant Housing Units | 614 (12.4%) |
| Median Home Value | $87,048 |
| Average Home Value | $145,699 |
Housing Distribution
Address Breakdown
Residential
4,571
Single Family
4,372
Multi-Family
199
Businesses
704
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1954
5,667 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45404, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,935 (100%) |
| Owner Occupied HU | 2,029 (41.1%) |
| Renter Occupied HU | 2,292 (46.4%) |
| Vacant Housing Units | 614 (12.4%) |
| Median Home Value | $87,048 |
| Average Home Value | $145,699 |
Housing Distribution
Address Breakdown
Residential
4,571
Single Family
4,372
Multi-Family
199
Businesses
704
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices