21 Niagara Ave #19DaytonOH45405
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 21 Niagara Ave #19, Dayton, OH, 45405 in Dayton at $179,900. Rental yield 7.76%. The 7.76% yield and 1.44 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $49,703 by year five, and $1,657/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $67,258.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 8.1% |
| Monthly Cash Flow | $(21) | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,163 |
| Total Monthly Debt Service | $1,112 |
| DSCR Ratio | 1.05x |
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.
Multi Family
Built in 1913
6,425 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
Multi Family
Built in 1913
6,425 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