2100 Harding AveDaytonOH45414
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2100 Harding Ave, Dayton, OH, 45414 in Dayton at $102,000 earns $789/mo in rent and nets $83/mo after the $459/mo payment, a 9.28% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $28,181 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $939/yr in principal paydown, total projected return reaches $44,366.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 8.1% |
| Monthly Cash Flow | $83 | $450 |
City averages based on Dayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $789 |
| Total Monthly Debt Service | $665 |
| 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.
Single Family
Built in 1997
4,660 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45414, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,538 (100%) |
| Owner Occupied HU | 5,904 (61.9%) |
| Renter Occupied HU | 3,018 (31.6%) |
| Vacant Housing Units | 616 ( 6.5%) |
| Median Home Value | $224,286 |
| Average Home Value | $231,108 |
Housing Distribution
Address Breakdown
Residential
9,372
Single Family
8,900
Multi-Family
472
Businesses
1,116
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
4,660 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 45414, Dayton, OH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,538 (100%) |
| Owner Occupied HU | 5,904 (61.9%) |
| Renter Occupied HU | 3,018 (31.6%) |
| Vacant Housing Units | 616 ( 6.5%) |
| Median Home Value | $224,286 |
| Average Home Value | $231,108 |
Housing Distribution
Address Breakdown
Residential
9,372
Single Family
8,900
Multi-Family
472
Businesses
1,116
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dustin Leis • Leis Realty Company
Mls Name: RLMS
Mls Provider:
Mls ID: #10050659
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.