1053 Charter PlDaytonOH45458
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 1053 Charter Pl, Dayton, OH, 45458 in Dayton at $689,900, 5.99% gross yield, is a market-growth asset. Rental yield 5.99%. The $3,443/mo rent partially funds the $3,102/mo debt service; the core return is the 5%/yr price growth projected to add $190,607 over five years. Ziffy Mortgage's DSCR mortgage (1.11) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $192,321.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 8.1% |
| Monthly Cash Flow | $(1,095) | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,443 |
| Total Monthly Debt Service | $4,264 |
| DSCR Ratio | 0.81x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1997
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45458, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,814 (100%) |
| Owner Occupied HU | 11,655 (73.7%) |
| Renter Occupied HU | 3,639 (23.0%) |
| Vacant Housing Units | 520 ( 3.3%) |
| Median Home Value | $356,085 |
| Average Home Value | $384,066 |
Housing Distribution
Address Breakdown
Residential
16,229
Single Family
14,659
Multi-Family
1,570
Businesses
583
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 1997
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45458, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,814 (100%) |
| Owner Occupied HU | 11,655 (73.7%) |
| Renter Occupied HU | 3,639 (23.0%) |
| Vacant Housing Units | 520 ( 3.3%) |
| Median Home Value | $356,085 |
| Average Home Value | $384,066 |
Housing Distribution
Address Breakdown
Residential
16,229
Single Family
14,659
Multi-Family
1,570
Businesses
583
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices