16 McDaniel StDaytonOH45405
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 16 McDaniel St, Dayton, OH, 45405 in Dayton is narrow, $8/mo net on $1,843/mo rent after the $1,185/mo debt service, but the property operates at break-even-plus, not a loss. At $263,500 with a 7.93% yield, the long-run equity case via 5% appreciation ($72,800 over five years) and $2,427/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.56 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $107,443.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 8.1% |
| Monthly Cash Flow | $8 | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,843 |
| Total Monthly Debt Service | $1,628 |
| DSCR Ratio | 1.13x |
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 1889
4,647 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45405, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,144 (100%) |
| Owner Occupied HU | 3,013 (29.7%) |
| Renter Occupied HU | 5,164 (50.9%) |
| Vacant Housing Units | 1,967 (19.4%) |
| Median Home Value | $79,735 |
| Average Home Value | $143,361 |
Housing Distribution
Address Breakdown
Residential
8,755
Single Family
6,568
Multi-Family
2,187
Businesses
344
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 1889
4,647 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45405, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,144 (100%) |
| Owner Occupied HU | 3,013 (29.7%) |
| Renter Occupied HU | 5,164 (50.9%) |
| Vacant Housing Units | 1,967 (19.4%) |
| Median Home Value | $79,735 |
| Average Home Value | $143,361 |
Housing Distribution
Address Breakdown
Residential
8,755
Single Family
6,568
Multi-Family
2,187
Businesses
344
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices