109 Main St Suite 1108DaytonOH45402
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 109 Main St Suite 1108, Dayton, OH, 45402 in Dayton achieves a 1.64 ratio at $350,000: $2,576/mo rent versus $1,574/mo debt service. Rental yield 8.83%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.83% yield compounds alongside 5% annual appreciation projecting $96,699 in value. Total projected cumulative return: $150,907.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 8.1% |
| Monthly Cash Flow | $(1,166) | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,576 |
| Total Monthly Debt Service | $2,163 |
| DSCR Ratio | 1.19x |
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.
Condo
Built in 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45402, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,208 (100%) |
| Owner Occupied HU | 1,583 (22.0%) |
| Renter Occupied HU | 3,959 (54.9%) |
| Vacant Housing Units | 1,666 (23.1%) |
| Median Home Value | $92,763 |
| Average Home Value | $165,027 |
Housing Distribution
Address Breakdown
Residential
5,969
Single Family
3,954
Multi-Family
2,015
Businesses
1,190
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
Condo
Built in 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45402, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,208 (100%) |
| Owner Occupied HU | 1,583 (22.0%) |
| Renter Occupied HU | 3,959 (54.9%) |
| Vacant Housing Units | 1,666 (23.1%) |
| Median Home Value | $92,763 |
| Average Home Value | $165,027 |
Housing Distribution
Address Breakdown
Residential
5,969
Single Family
3,954
Multi-Family
2,015
Businesses
1,190
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices