1644 Viola DrDaytonOH45434
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1644 Viola Dr, Dayton, OH, 45434 in Dayton at $119,500 earns $938/mo in rent and nets $152/mo after the $537/mo payment, a 9.42% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $33,016 over five years. Ziffy Mortgage underwrites this on a 1.75 DSCR without U.S. credit history. With $1,101/yr in principal paydown, total projected return reaches $55,321.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 8.1% |
| Monthly Cash Flow | $152 | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $938 |
| Total Monthly Debt Service | $739 |
| DSCR Ratio | 1.27x |
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 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45434, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,912 (100%) |
| Owner Occupied HU | 4,367 (88.9%) |
| Renter Occupied HU | 410 ( 8.3%) |
| Vacant Housing Units | 135 ( 2.7%) |
| Median Home Value | $336,348 |
| Average Home Value | $395,061 |
Housing Distribution
Address Breakdown
Residential
4,935
Single Family
4,935
Multi-Family
0
Businesses
488
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 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45434, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,912 (100%) |
| Owner Occupied HU | 4,367 (88.9%) |
| Renter Occupied HU | 410 ( 8.3%) |
| Vacant Housing Units | 135 ( 2.7%) |
| Median Home Value | $336,348 |
| Average Home Value | $395,061 |
Housing Distribution
Address Breakdown
Residential
4,935
Single Family
4,935
Multi-Family
0
Businesses
488
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices